GET ONE STEP CLOSER TO HOME
Let’s match your needs with the right mortgage!
WHY CHOOSE DEMAR CHAPMAN
The right mortgage is waiting for you
But it won’t wait long. Take the next step toward home right now.
Mortgage Pre-Approval
With my quick and easy process, you’ll know exactly how much you can borrow and gain the confidence to shop for your perfect home.
House Shopping
I provide you with personalized support, insights on the best neighborhoods, and tips to negotiate like a pro!
Loan Application
From gathering documents to signing the final papers, I'm here every step of the way.
MY SERVICES
I’ll find you the best mortgage solution for your specific goals.
FHA Loans
Federally insured loans with low down payment options and less stringent credit requirements.
Low down payment requirements
Flexible credit requirements
Seller or gift-money contribution
New Home Construction Loan
Federally insured loans with low down payment options and less stringent credit requirements.
Low down payment requirements
Flexible credit requirements
Seller or gift-money contribution
Fixed-Rate Mortgage
A mortgage loan with a fixed interest rate.
Peace of mind
Easy to understand
Flexible mortgage terms
Refinancing
Replace your existing loan with a new loan that aligns with your specific goals.
Pay off your mortgage faster
Flexibility to finance closing costs
Convert home equity for cash
ABOUT DEMAR
I’ve been helping individuals and families achieve their dream of homeownership for many years, and I genuinely love what I do.
My mission is simple — to serve every client with honesty, integrity, and competence. I take pride in guiding homebuyers through every step of the mortgage process while securing the most competitive rates and lowest possible closing costs.
More than just finding a loan, my goal is to help you overcome any roadblocks that might stand in the way of homeownership and make the journey as smooth and stress-free as possible.
FAQ
Everything You Need to Know: Answers to Common Home Buying Questions!
How much should I save for a down payment?
While the traditional down payment is 20% of the home’s purchase price, many loan programs allow for lower down payments, ranging from 3% to 5%. It's essential to assess your financial situation and discuss your options with a mortgage broker to find the best plan for you.
How long does the home buying process take?
The home buying process can vary widely, but on average, it takes about 30 to 60 days from making an offer to closing the sale. Factors like financing, inspections, and negotiations can impact the timeline, so it's crucial to stay in close communication with your real estate agent and lender.
What are closing costs, and how much should I expect to pay?
Closing costs are fees associated with finalizing your mortgage and purchasing a home, typically ranging from 2% to 5% of the loan amount. These costs can include appraisal fees, title insurance, and loan origination fees. It's essential to budget for these expenses in addition to your down payment.
What types of mortgage loans are available to homebuyers?
Homebuyers can choose from several types of mortgage loans, including fixed-rate mortgages, adjustable-rate mortgages (ARMs), FHA loans, VA loans, and USDA loans. Each type has different terms, interest rates, and eligibility requirements, so it's essential to discuss your options with a mortgage broker to find the best fit for your financial situation.
What should I look for during a home inspection?
During a home inspection, look for any major structural issues, plumbing and electrical systems, roof condition, and signs of pests or mold. It's also important to check the heating and cooling systems, windows, and insulation. A thorough inspection can help you identify potential problems and negotiate repairs or credits with the seller.
What my customers say about ME!
Emily R.
First-Time Homebuyer
"I couldn't have asked for a better experience in buying my first home! Demar was incredibly supportive throughout the entire process. He walked me through every step, answered all my questions, and helped me secure a great mortgage rate. I’m so grateful for his expertise and kindness!"
Michelle T.
Homebuyer
"As a self-employed individual, I thought getting a mortgage would be complicated, but Demar made it easy! He understood my unique situation and provided tailored solutions that worked for me. Thanks to his hard work, I’m now a proud homeowner! I highly recommend him!"
Jessica L.
Recent Homebuyer
"Demar exceeded my expectations!
From the initial consultation to closing, he was professional, responsive, and truly cared about my needs. He helped me navigate the mortgage process with ease, and I felt confident in my decisions. I couldn’t be happier in my new home!"