Buying a home is probably the single largest investment you will make in your lifetime. Omega Financial Services, Inc. not only provides you with a place to find safety and security, but also provides you with satisfaction and peace of mind. We want to help you gain a place to provide warm memories with family and friends, a place where you may start a family of your own, or even a place that expresses to the world who you are.

Although there are many positives that are associated with buying a home, probably the most important is overlooked. A home can be a very rewarding investment if structured properly and will someday reward you with an attractive rate of return on your dollar after considering what renting would have cost you. To reach the many benefits of home ownership, you must secure the right financing to fit your goals and budget, locate a home that suits your tastes, is in the right location, and can be maintained and improved as needed.

Click on the links below for tips to get started on the right track. View our Glossary for definitions on frequently used mortgage terms.

	Get Pre-Approved Financing a home is the biggest obstacle in home ownership. We can all choose the home of our dreams, but paying for it is where things go awry. Too often, people find a home before knowing what they can afford and find themselves stuck. This is like going to the grocery store without a purse or wallet, loading the necessary items in the cart, and then going to check out without having the funds to purchase the items and lacking the knowledge of what you can afford. More...

	Locate the Right Lender Locating the right lender is essential. We believe that Omega Financial Services, Inc. is that lender for you now and in the future. We can provide you with a mortgage package that meets the lowest rate and point programs available. At Omega Financial Services, Inc., we are a team of professionals that work with a full menu of national and local lenders. It is this collective effort that enables us to provide you with the most competitive financing available on the market. More...

	Locate a Real Estate Agent Ok, you have obtained a pre-approval for what you can finance within your budget. Now you have reached the exciting part – locating your dream home. Although this may seem easy, it can turn into a legal nightmare. Just like the “fly by night” mortgage brokers, there are just as many bad real estate agents. There are many items you should look for in locating a good real estate company and agent, so that your home buying experience will be as pleasant and easy as possible. More...

	Building Your Dream Home This is truly the American Dream – building a home that expresses who you are and shows the world your creativity. As rewarding as building a home can be, it requires tremendous effort on your part and will require research not only into what kind of home you want to build but what kind of financing will suit your needs. New construction homes are a greater risk to investors and require more steps to reduce this risk. More...

	Do Your Homework Educate yourself through the internet, publications, and friends’ and families’ experiences. With this education you are armed to ask your real estate agent and lender the right questions. You will have the knowledge to know the basics so you understand the transaction up front, making it less of a possibility for miscommunication from the start. It is through education that you will successfully have a hassle free transaction, locate your home, and get the best deal. More...