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What You Need to Know About Financing Your New Home

You've found your brand-new Energy Smart home that you love! What's next?

Buying a home is one of the most exciting milestones in life—but when it comes to financing that home, we understand the process can sometimes feel like a maze of rates, lenders, and unfamiliar terms. We have had many of our new homeowners ask us tons of questions regarding these strange terms. So if you're preparing to purchase a new home, understanding your financing options is key to a smooth and successful journey to homeownership. In this month’s article we want to help you with that.

Start with a Solid Foundation

When it comes to getting a mortgage loan to buy your new Energy Smart Home, there are many options available to you. Your choice of mortgage can affect everything from your monthly payment to how much interest you’ll pay over the life of the loan. That’s why it's important to explore different types of loans—conventional, FHA, VA, or USDA—and find the one that best fits your financial situation.

Why Your Lender Matters

At Energy Smart we have over 30 years of experience building homes in the greater Birmingham area, we've seen firsthand how much of a difference the right lender can make. From timely communication to finding the best rates, your lender can help streamline the home buying experience—or complicate it.

Meet Our Preferred Lender: John Marbury with SouthState Bank

Because we've worked with so many lenders over the years, we've been able to carefully evaluate who consistently delivers the best experience for our buyers. That’s why we’ve selected our very own preferred lender, John Marbury with SouthState Bank.

John doesn’t just offer competitive rates—he brings professionalism, efficiency, and personalized service to every buyer he works with. When you choose to finance through John:

• You could save money over the course of your loan.
• You’ll enjoy a smoother, more streamlined loan process.
• You’ll gain peace of mind, knowing your financing is in trusted hands.

For many of our homebuyers, working with John has turned what could have been a stressful experience into one that’s straightforward and even enjoyable.

Why Pre-Approval Is a Game-Changer

One of the first steps we recommend is getting pre-approved for a mortgage. This tells you how much you can afford, strengthens your offer on a home, and speeds up the overall process. Pre-approval through a trusted lender like John Marbury also means fewer surprises and more confidence moving forward.

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Ready to Get Started?

Contact us today to learn more about our financing options and speak with our preferred lender. With the right support team and a beautiful new Energy Smart home, your journey to homeownership will be everything you hoped for—and more, we can guarantee it!

By EnergySmart Homes Staff 4-1-2025