Working with Robert throughout our home-buying process was a great experience. He was very knowledgeable, responsive, and determined to help us find solutions every step of the way. There were challenges during the process, but he remained patient, supportive, and continued working hard to make sure everything came together successfully. He always kept us informed and took the time to explain things clearly, which made us feel much more comfortable as first-time homebuyers. We truly appreciate all the effort and dedication he put into helping us close on our home. We highly recommend Robert to anyone going through the home-buying process.
Tammie
★★★★★
From a first time homebuyer, I am so very pleased with the service and help Robert provided us. Any questions we had, he was there, any concerns, he was there. After dealing with broker before him who lied to us about not being able to get certain downpayment assistance programs and how a stupid high interest rate was “normal”, Robert saved the day and got us a great assistance program AND a lower APR. Hands down will recommend him to everyone I know. He was always available, he truly puts his heart and soul into his work and doesn’t bs anything like other people do. Working night shift, I’m not always able to respond in a timely manner during regular business hours, Robert respected that, and that’s the biggest thing we were most grateful for. I wouldn’t recommend anyone else but Robert. Hands down the best person you can have on your team, and yes he makes you feel as if you’re in a team not a 1v1. 10000000000/10 would DEFINITELY recommend!!!!!
Payton Briglia
★★★★★
Working with Horizon Mortgage Group made buying my first home a smooth and stress-free experience. They were incredibly responsive, knowledgeable, and guided me through every step of the process. I couldn’t have asked for a better team to help me make such an important purchase!
Jean-Baptiste Dorcelus
★★★★★
Purchasing my first home, I couldn't have asked for a more professional Company that handled my becoming a owner with the utmost care. From the start of the process to closing, I felt like my purchase was being handle by a family member who had my best interest in all aspects. I wouldn't hesitate to purchase my next home or advise on purchasing from no other than Horizon Mortgage Group. Thank you for making my purchase a seemless and easy one!
Dwayne Diamond
FAQ
First-time buyer questions
How much do I need saved?
It depends on the loan program, the price of the home and your closing costs. We work out your number before you start looking, so you know what you are shopping for.
Are there down payment assistance programs?
There are state and local programs for eligible buyers, and they change often. Ask us which ones you may qualify for when you call.
What is the difference between pre-qualified and pre-approved?
A pre-qualification is an estimate from what you tell us. A pre-approval means your documents and credit have been reviewed, and it is what sellers take seriously.
Will checking my credit hurt my score?
A mortgage credit check is a hard inquiry, but multiple mortgage inquiries in a short window are usually treated as one. We explain it before we pull anything.
What are closing costs?
Fees for the appraisal, title, lender and government recording, plus prepaid taxes and insurance. You get them in writing on your Loan Estimate, and we go through every line.
Can I buy a condo as my first home?
Yes. With FHA or VA financing the building has to be approved for that program, which we check before you make an offer.
Purchase · Refinance · Pre-approval
Know what you can borrow before you fall for a house
Start the secure application online, or call the office and talk it through first. Either way you get a real answer, not a range.
