Est. 2014
828-640-3736 unifourcc@gmailcom
Specializing in:
• Curb & Gutter
• Sidewalks
• Driveways
• Hauling & Grading
From Start
to Finish
• Slabs
• Concrete Paving
• Pervious Concrete
If you’re thinking about building a new home, start with a call to Taylorsville Savings Bank.
TSB’s Custom-Home Financing is the only loan you need from start to finish. TSB Custom-Home
Financing is a construction loan and a mortgage all rolled into one convenient package. You only
have one closing and one attorney fee which saves you time and money. If you’re building a
home, TSB Custom-Home Financing gives you one less thing to worry about. Give us a call today!
call 632-4228 or visit
Taylorsvillesavings.com today
Loans subject to credit approval. Other terms and conditions may apply.
Advice on Financing
Your First Home
Buying your first house is very exciting.
But financing your home purchase can
be a daunting experience. In both cases,
do your research and shop carefully
to ensure you find exactly what you
want and need.
Deciding how much to spend on your
home and which type of mortgage will
work best for you — as well as understanding
the settlement process — can
be confusing. However, there are many
sources that can help you get prepared
well before you step foot into a sales office,
model home or open house.
Figure out what you can actually afford
to pay on a monthly basis. Remember
that, in addition to the monthly principal
and interest, you will also pay into
escrows for property taxes, hazard insurance
and possibly a home owners' or
condominium association assessment.
You have more knowledge about your
living expenses than a lender. Hold firm
with that number and don’t be tempted
to agree to an amount higher than
what you are comfortable spending.
Mortgage calculators are a great way
to figure out what your monthly payments
would be based on interest rates
and down payment amounts. Calculators
can be found on most real-estate
focused websites.
Pay down your debts. Credit card debt
limits what you qualify for from a lender.
Lenders want to see a total debt service
ratio that is less than 40% of your
monthly income.
14 Hickory & Catawba Valley Parade of Homes 2019
/Taylorsvillesavings.com
link