Complete buyer guide
From your first budget to your first day at home — a clear path through your purchase.
Start with a comfortable monthly payment, not just the largest loan you might qualify for. Include property taxes, insurance, HOA dues, utilities, maintenance, and savings. Set aside cash for the down payment and closing costs.
Review income and monthly debts • Choose a comfort payment • Keep an emergency reserve
General guidance. Your purchase contract, lender requirements, and local practices determine the specific steps and deadlines.
Preferred lender
Adam Groblewski
Senior Loan Officer · HMA Mortgage · NMLS #349254
With more than fifteen years of industry experience, Adam has guided clients through a wide range of market conditions and loan products. Licensed in multiple states and fluent in Spanish, he is well-equipped to give clear, accessible guidance throughout the lending process.
100 Dunbar Street, Suite C (Office A), Spartanburg, SC 29306
Lending services are provided by HMA Mortgage. Adam Taylor and Ryan Woodring are licensed loan officers with HMA Mortgage, and Adam Taylor & Team may receive RESPA-compliant compensation when you work with Adam Groblewski or another HMA Mortgage loan officer. Loan approval, rates, and terms are determined by HMA Mortgage.
Adam Taylor & Team
Book a free consultation or send us your numbers — we'll walk through your options together.