Your Roadmap to Homeownership

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

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

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

Conventional loans are not government-backed and typically need a higher credit score and a larger down payment. They offer flexible terms.

FHA

FHA loans are backed by the government and are perfect for first-time buyers with lower credit scores. They require a down payment as low as 3.5%.

VA

VA loans are designed for veterans, active-duty military, and eligible service members. They usually require no down payment and no private mortgage insurance.

USDA

USDA loans help low- to moderate-income buyers in rural and some suburban areas. They often come with no down payment and low 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:

The first step towards you new home is pre-approval. We would be happy to connect you to one of our esteemed preferred local lenders. Please leave your contact information below and we will get you connected!

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.

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?

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.

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The Harmon Murphy Group