Move Up Buyer

Change is an exciting and necessary part of life. You have worked hard to pay down your mortgage and make your house a home. But now your house isn’t meeting your needs and it’s time to find one that will.

There are many advantages to moving in to a new home:

Increased Tax Deductions

A bigger home usually comes with a bigger loan which means more interest paid to the bank and, therefore, bigger tax deductions when it comes time to settle up with Uncle Sam. You can also deduct some of the closing costs in the tax year that you purchase your new home.

Capital Gains Exclusions

The IRS allows you to forgo paying capital gains taxes on your home (up to $250k if you are single and up to $500k if you are married) provided you have lived in the home for two of the last five years when you sell. There is no need to roll the equity into your new home. You can do with it what is best for you.

Get Exactly What You Want

This isn’t your first time buying a house, and your needs have probably changed. More room for you and your family? Three-car garage? Bigger yard? Get exactly what you want in a new home.


Purchasing your next home is a daunting proposition for most people. Especially if it’s been awhile since you purchased your first home. The mortgage business has undergone some massive changes since 2008 and will continue to do so into the foreseeable future.

There is a lot that needs to happen between now and moving in to your new home. It can feel a lot like drinking from a fire hose. We will save you time, stress, and money with our easy-to-follow home loan process by keeping you focused on just the next step.

The first order of business is getting you pre-approved for financing. Step one is to complete a loan application. We can do this over the phone or online. We will contact you once the loan application is complete to take the next step.


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