Affiliated business
A great home starts with a clear financing plan.
Talk with Andrew Fairleigh at Home Front Mortgage early, so your budget is settled before you start touring.
Your loan officer
Andrew Fairleigh
Mortgage Loan Originator, Home Front Mortgage
NMLS #1878546
The application opens on Home Front Mortgage's secure site, not on this website.
How to get started
- Connect with Andrew Fairleigh, your Home Front loan officer, at (979) 595-8979.
- Start your application through Home Front Mortgage's secure application portal.
- Discuss financing options, estimated payments and next steps.
- Coordinate your financing with your home search.
Your application and documents go to Home Front directly. Please do not send Social Security numbers, bank statements or other sensitive documents through this website or by regular email.
Common questions
What is the difference between prequalification and preapproval?
In general, a prequalification is an early estimate based on information you provide. A preapproval usually means the lender has reviewed your credit and documents and is prepared to lend up to an amount, subject to conditions. Lenders use these terms differently, so ask your Home Front loan officer what theirs includes.
What information might I need to apply?
Lenders commonly ask about income, employment, assets, debts and the property. Your loan officer will give you the exact list for your loan, and you provide documents through the lender's secure portal.
Can I apply before choosing a home?
Yes. Most buyers start financing before they find a home, so they know their budget and can make a stronger offer.
How is my estimated monthly payment calculated?
A payment generally includes principal and interest, property taxes and homeowners insurance. It may also include mortgage insurance, HOA dues and MUD or PID assessments. Your loan officer will prepare an estimate for a specific home.
How much might I need for a down payment and closing costs?
It depends on the loan type, the price and your situation. Your lender provides a Loan Estimate that lists the down payment, closing costs and cash needed to close.
Can Home Front help me evaluate financing for new construction?
Ask your Home Front loan officer which new-construction financing they offer. I can also help you compare a builder's preferred lender with other options.
Who can explain which financing options are available to me?
A licensed mortgage loan officer. I am a real estate broker, not a loan originator, so I will connect you and stay out of the lending decision.
Affiliated business arrangement disclosure. This is to give you notice that some agents and owners at Keller Williams Realty Northeast, including Michael O'Neal, have a business relationship with certain providers of services related to your purchase, sale or refinance of real estate, including Home Front Mortgage and Keystone Title & Escrow. Because of this relationship, a referral may provide some owners and agents at Keller Williams Realty Northeast a financial or other benefit. You are NOT required to use either company as a condition for your purchase, your financing or refinance, or any other transaction related to a property. There are frequently other providers available with similar services. You are free to shop around to determine that you are receiving the best services and the best rate for these services. You will be given the written Affiliated Business Arrangement Disclosure, including estimated charges, to review and sign. This is general information, not a commitment to lend. All financing is subject to lender review and approval. Rates, programs and terms are determined by the lender.