Purchase A New Home!

Purchasing a home is a very exciting time.

Being well prepared will help you make better decisions. Buying a home offers many advantages, one of the most significant being that it allows you to build equity (ownership) when you pay your mortgage each month. A common myth is that monthly mortgage payments are more expensive than rent. But, in many cases, mortgage payments can be even less than rent.

Purchase Solutions Right For You!

Whether you're buying your first home or you're an experienced buyer, we have a home lending solution just for you.
Get a No-Obligation Rate and Closing Cost Analysis! Choose your option and see rates upon completion.
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How much house you can afford

The first step toward finding the right home is to quickly compute your purchasing power and determine how much you can afford to pay each month. This saves you time by allowing you to focus on homes in your price range. In addition, in the planning stage, you should consider both the up-front and ongoing costs associated with purchasing a home.


Some up-front costs include:

Down payment: Typically ranges from 3-30% of the cost of the house. The more you can put down, the greater equity you will have in your home and the lower your monthly payment will be. For down payments less than 20% you may also need to pay mortgage insurance.
Closing Costs: Typically range from 2-6% of the loan amount depending on your area.

On-going Costs: Your housing costs can include the following: monthly mortgage payment, homeowners insurance, mortgage insurance, flood insurance (if applicable), property taxes (if applicable), utilities, maintenance.

We Serve the Entire State of Florida

At On Mortgage, we proudly provide mortgage solutions to homebuyers and investors throughout Florida. Here are some of the cities we serve near Miami, but we aren’t limited to these locations:

• Cape Coral • Clearwater • Coral Springs • Davie • Deerfield Beach • Fort Lauderdale • Hallandale Beach • Hialeah • Hollywood • Jacksonville • Lauderdale Lakes • Miramar • Orlando • Parkland • Pembroke Pines • Plantation • Pompano Beach • Port Saint Lucie • Saint Petersburg • Sunrise • Tallahassee • Tampa • West Palm Beach • Weston