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Five steps toward your next home

A clear path, with expert support at every step.

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Meet your Liberty Way agent

Get local guidance built around your goals.

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Search homes

Explore listings, neighborhoods and your must-haves.

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Your home-buying toolkit

Helpful tools to keep you organized on your journey.

Saved searchesPick up where you left off.›Favorite homesKeep track of the homes you love.›Request a showingFind a home to tour with our team.›
Buying With a VA LoanUnderstand your benefit, explore the steps, and connect with our team. A SMARTER FIRST STEPDownload Your Homebuyer GuidePractical tips for your budget, home search and next steps.Complete the guide request form to access your free download. Download Your Homebuyer Guide

Buyer FAQs

Clear answers to help you plan your next move.

Do I need to get pre-approved before I start searching?

You can explore homes at any time. Speaking with a lender early can help clarify your budget and what documentation may be needed. Pre-approval is conditional, not a guarantee of final financing.

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How much will I need for a down payment?

The amount depends on the loan program, lender requirements and your circumstances. Ask a lender about available options, mortgage insurance and the funds needed beyond your down payment.

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What costs are involved in buying a home?

Plan for more than the purchase price: lender and closing charges, inspections, moving expenses, taxes, insurance and any association costs may apply. Request itemized estimates from the professionals involved.

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How long does the home-buying process take?

Timing depends on finding the right home, negotiations, financing, inspections and title work. Your agent can help coordinate the milestones and keep you informed as the transaction progresses.

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Can you help with new construction homes?

Ask a Liberty Way agent about your goals before visiting builder communities. Representation, builder registration requirements, contracts, timelines and available options vary.

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A brighter way home.

Your next chapter starts here.

Ready to talk? Complete the buyer inquiry form here. Calculator results are illustrative estimates, not lender quotes, pre-approval or a loan offer. Review taxes, insurance, association fees and other costs with qualified professionals.
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Plan your monthly payment

See how a home purchase could fit your budget. Illustrative estimate only; add taxes, insurance and HOA costs under Advanced. Not a loan approval or offer.
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Get your guide

Avoid costly mistakes and buy with confidence. Get the essential guide every home buyer should read first.

How to buy a home.pdf
How to buy a home.pdf

Let’s plan your next move

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SELLING MY HOME

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By checking this box, I agree by electronic signature to the Electronic Disclosure Consent Agreement; to receive recurring marketing communication from or on behalf of Susan Garbarino, including auto-dialed calls, texts, and artificial/prerecorded voice messages (message frequency varies; data rates may apply; reply "STOP" to opt-out of texts or "HELP" for assistance); and to the Terms of Service and Privacy Policy of this website. Consent not required to make a purchase. I understand that I can call to obtain direct assistance.

 I agree to be contacted by Liberty Way Realty via call, email, and text for real estate services. To opt out, you can reply 'stop' at any time or reply 'help' for assistance. You can also click the unsubscribe link in the emails. Message and data rates may apply. Message frequency may vary

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Mortgage Help

Down Payment

The typical rule of thumb is to pay 20 percent of the home's price as your down payment, although some mortgage loans require as little as 3.5 percent down. Your down payment reduces the total amount of your mortgage loan, so the more money you put down, the lower your payments will be - or the more expensive a house you can buy.

Loan Term

Your loan program can affect your interest rate and monthly payments. Choose from 30-year fixed, 15-year fixed, and more in the calculator.

Loan Type

There are several types of mortgage loans, but the most commonly used are fixed-rate and adjustable-rate loans. Fixed-rate loans have the same interest rate for the entire duration of the loan. That means your monthly payment will be the same, even for long-term loans, such as 30-year fixed-rate mortgages. Two benefits to this loan type are stability, and being able to calculate your total interest up front. Adjustable-rate mortgages (ARMs) have interest rates that can change over time. Typically they start out at a lower interest rate than a fixed-rate loan, and hold that rate for a set number of years, before changing interest rates from year to year. For example, if you have a 5/1 ARM, you will have the same interest rate for the first 5 years, and then your interest rate will change from year to year. The main benefit of an adjustable-rate loan is starting off with a lower interest rate.

Interest Rate

This field is pre-filled with the current average mortgage rate. Your actual rate will vary based on factors like credit score and down payment.

Property Tax Rate

The mortgage payment calculator includes estimated property taxes based on the home's value. You can edit this in the advanced options.

Home Insurance

Home insurance or homeowners insurance is typically required by lenders, depending on the loan program. You can edit this number in the mortgage calculator advanced options.

HOA Fees

A homeowners association fee (HOA fee) is an amount of money that must be paid monthly by owners of certain types of residential properties, and HOAs collect these fees to assist with maintaining and improving properties in the association.