Get Pre-Approved
Your preferred lender will work closely with you to determine what monthly payment you can comfortably afford. Pre-approval allows us to move quickly when we find the right house.
Explore the differences between the four most common loan types here:
Conventional
A conventional loan is a mortgage that is not backed by any government agency and typically requires a higher credit score and down payment, but offers competitive rates and flexible terms.
FHA
An FHA loan is a government-backed mortgage insured by the Federal Housing Administration, designed to help first-time homebuyers and those with lower credit scores by offering lower down payments and more lenient credit requirements.
VA
A VA loan is a mortgage guaranteed by the Department of Veterans Affairs, exclusively for veterans, active-duty service members, and certain military spouses, offering no down payment and favorable terms.
USDA
A USDA loan is a rural development mortgage provided by the United States Department of Agriculture, aimed at low-to-moderate income buyers in eligible rural areas, with no down payment and lower interest rates.
Get Pre-Approved
Your preferred lender will work closely with you to determine what monthly payment you can comfortably afford. Pre-approval allows us to move quickly when we find the right house.
Explore the differences between the four most common loan types here:
Conventional
A conventional loan is a mortgage that is not backed by any government agency and typically requires a higher credit score and down payment, but offers competitive rates and flexible terms.
FHA
An FHA loan is a government-backed mortgage insured by the Federal Housing Administration, designed to help first-time homebuyers and those with lower credit scores by offering lower down payments and more lenient credit requirements.
VA
A VA loan is a mortgage guaranteed by the Department of Veterans Affairs, exclusively for veterans, active-duty service members, and certain military spouses, offering no down payment and favorable terms.
USDA
A USDA loan is a rural development mortgage provided by the United States Department of Agriculture, aimed at low-to-moderate income buyers in eligible rural areas, with no down payment and lower interest rates.
Start Your Search
Download the KW App for an Advanced Search Experience.
Finding the right home to meet your needs is our priority, and we are here to
help! The first step in buying a new home is for us to identify the neighborhoods
you want to live in. Save your favorite homes, then add them to a collection.
Search by neighborhood or school district
See what the neighbors say
Save your favorites and hide what you don’t
Review upcoming open houses
Calculate estimated monthly payments
See price and tax history
See public school ratings
Review transit and commute times
Start Your Search
Finding the right home to meet your needs is our priority, and we are here to help! The first step in buying a new home is for us to identify the neighborhoods you want to live in. Save your favorite homes, then add them to a collection.
Download the KW App for an
Advanced Search Experience.
Search by neighborhood or school district
See what the neighbors say
Save your favorites and hide what you don’t
Review upcoming open houses
Calculate estimated monthly payments
See price and tax history
See public school ratings
Review transit and commute times
Explore Creative Financing Solutions
Gift Funding
Family members, non-profit agencies, non-occupant co-borrowers, local state and provincial agencies, domestic partners, and trade unions are all potential contributors. Remember to gather proper documentation, as lenders often require confirmation that the funds are a genuine gift rather than a loan.
Non-Occupant Co-Borrowers
Non-occupant co-borrowing pairs a financially stronger co-borrower with a homebuyer, enhancing the application for better approval odds and favorable terms. Ideal for first-time buyers or those who may not meet financial criteria independently.
Using a 401k
Some employers allow employees to borrow from their 401(k) for purposes like a real estate down payment. Repayment terms are usually five years, potentially longer for home purchases. If an individual leaves their job, the outstanding loan balance becomes due immediately, emphasizing the importance of careful consideration.
Explore Creative
Financing Solutions
Gift Funding
Family members, non-profit agencies, non-occupant co-borrowers, local state and provincial agencies, domestic partners, and trade unions are all potential contributors. Remember to gather proper documentation, as lenders often require confirmation that the funds are a genuine gift rather than a loan.
Non-Occupant Co-Borrowers
Non-occupant co-borrowing pairs a financially stronger co-borrower with a homebuyer, enhancing the application for better approval odds and favorable terms. Ideal for first-time buyers or those who may not meet financial criteria independently.
Using a 401k
Some employers allow employees to borrow from their 401(k) for purposes like a real estate down payment. Repayment terms are usually five years, potentially longer for home purchases. If an individual leaves their job, the outstanding loan balance becomes due immediately, emphasizing the importance of careful consideration.
Start Your Search
Download the KW App for an
Advanced Search Experience.
Finding the right home to meet your needs is our priority, and we are here to help! The first step in buying a new home is for us to identify the neighborhoods you want to live in. Save your favorite homes, then add them to a collection.
Search by neighborhood or school district
See what the neighbors say
Save your favorites and hide what you don’t
Review upcoming open houses
Calculate estimated monthly payments
See price and tax history
See public school ratings
Review transit and commute times
Start Your Search
Download the KW App for an Advanced Search Experience.
Finding the right home to meet your needs is our priority, and we are here to
help! The first step in buying a new home is for us to identify the neighborhoods
you want to live in. Save your favorite homes, then add them to a collection.
Search by neighborhood or school district
See what the neighbors say
Save your favorites and hide what you don’t
Review upcoming open houses
Calculate estimated monthly payments
See price and tax history
See public school ratings
Review transit and commute times
Touring Homes
Refining your “WANTS” and “NEEDS” list will help us identify what’s most important to you, including both the location and the house itself. Once we narrow your list, we’ll plan an itinerary together.
As your trusted partner for your home search, feel free to reach out at any time should you have any questions about any of the homes we tour.
Financial
Are you paying cash or will you be obtaining a mortgage? If cash, what is your budget? If mortgage, what monthly payment are you comfortable with?
Timing
Ideally, when would you prefer to move into your new home?
Location
Are there specific neighborhoods or areas you are interested in? What factors are important to you in terms of location (e.g., proximity to work, schools, public transportation)?
Property Details
What type of property are you looking for (e.g., single-family home, condo, townhouse)? What are your must-have features in a home (e.g., number of bedrooms, bathrooms, yard space)? Are there any deal-breakers or specific things you want to avoid?
Lifestyle Preferences
Are there specific amenities or community features that are important to you?
Touring Homes
Refining your “WANTS” and “NEEDS”
list will help us identify what’s most important to you, including both the location and the house itself. Once we narrow your list, we’ll plan an itinerary together.
As your trusted partner for your home search, feel free to reach out at any time should you have any questions about any of the homes we tour.
Financial
Are you paying cash or will you be obtaining a mortgage? If cash, what is your budget? If mortgage, what monthly payment are you comfortable with?
Timing
Ideally, when would you prefer to move into your new home?
Location
Are there specific neighborhoods or areas you are interested in? What factors are important to you in terms of location (e.g., proximity to work, schools, public transportation)?
Property Details
What type of property are you looking for (e.g., single-family home, condo, townhouse)? What are your must-have features in a home (e.g., number of bedrooms, bathrooms, yard space)? Are there any deal-breakers or specific things you want to avoid?
Lifestyle Preferences
Are there specific amenities or community features that are important to you?
Closing Day Checklist
Bring a valid, government-issued photo ID
Double check closing disclosure for accuracy
Wire transfer exact amount to title company - call title company to verify wiring instructions
Obtain keys, garage door openers, and/or security codes to the property once the closing funds have been received and all documents signed
Setup utilities, change mailing address, and arrange services such as lawn care or pool maintenance
Closing Day Checklist
Bring a valid, government-issued photo ID
Double check closing disclosure for accuracy
Wire transfer exact amount to title company -
call title company to verify wiring instructions
Obtain keys, garage door openers, and/or security codes to the property once the closing funds have been received and all documents signed
Setup utilities, change mailing address, and arrange services such as lawn care or pool maintenance
From Clients to Family
We believe in creating lasting connections that extend far beyond transactions. At The Harmon Murphy Group, our commitment to our clients doesn't end at the closing table. We pride ourselves on building enduring relationships, where you're not just a client, but a valued member of our HMG family!
Touring Homes
Refining your “WANTS” and “NEEDS”
list will help us identify what’s most important to you, including both the location and the house itself. Once we narrow your list, we’ll plan an itinerary together.
As your trusted partner for your home search, feel free to reach out at any time should you have any questions about any of the homes we tour.
Financial
Are you paying cash or will you be obtaining a mortgage? If cash, what is your budget? If mortgage, what monthly payment are you comfortable with?
Timing
Ideally, when would you prefer to move into your new home?
Location
Are there specific neighborhoods or areas you are interested in? What factors are important to you in terms of location (e.g., proximity to work, schools, public transportation)?
Property Details
What type of property are you looking for (e.g., single-family home, condo, townhouse)? What are your must-have features in a home (e.g., number of bedrooms, bathrooms, yard space)? Are there any deal-breakers or specific things you want to avoid?
Lifestyle Preferences
Are there specific amenities or community features that are important to you?
From Clients to Family
We believe in creating lasting connections that extend far beyond transactions. At The Harmon Murphy Group, our commitment to our clients doesn't end at the closing table. We pride ourselves on building enduring relationships, where you're not just a client, but a valued member of our HMG family!
Touring Homes
Refining your “WANTS” and “NEEDS”
list will help us identify what’s most important to you, including both the location and the house itself. Once we narrow your list, we’ll plan an itinerary together.
As your trusted partner for your home search, feel free to reach out at any time should you have any questions about any of the homes we tour.
Financial
Are you paying cash or will you be obtaining a mortgage? If cash, what is your budget? If mortgage, what monthly payment are you comfortable with?
Timing
Ideally, when would you prefer to move into your new home?
Location
Are there specific neighborhoods or areas you are interested in? What factors are important to you in terms of location (e.g., proximity to work, schools, public transportation)?
Property Details
What type of property are you looking for (e.g., single-family home, condo, townhouse)? What are your must-have features in a home (e.g., number of bedrooms, bathrooms, yard space)? Are there any deal-breakers or specific things you want to avoid?
Lifestyle Preferences
Are there specific amenities or community features that are important to you?
Touring Homes
Refining your “WANTS” and “NEEDS”
list will help us identify what’s most important to you, including both the location and the house itself. Once we narrow your list, we’ll plan an itinerary together.
As your trusted partner for your home search, feel free to reach out at any time should you have any questions about any of the homes we tour.
Financial
Are you paying cash or will you be obtaining a mortgage? If cash, what is your budget? If mortgage, what monthly payment are you comfortable with?
Timing
Ideally, when would you prefer to move into your new home?
Location
Are there specific neighborhoods or areas you are interested in? What factors are important to you in terms of location (e.g., proximity to work, schools, public transportation)?
Property Details
What type of property are you looking for (e.g., single-family home, condo, townhouse)? What are your must-have features in a home (e.g., number of bedrooms, bathrooms, yard space)? Are there any deal-breakers or specific things you want to avoid?
Lifestyle Preferences
Are there specific amenities or community features that are important to you?
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