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FIRST-TIME HOME BUYERS

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LOGOS MORTGAGE

NMLS #2570586

We are more than a mortgage company—we are a faith-based team committed to serving our clients with integrity, honesty, and compassion. Guided by our values, we believe homeownership is not just a financial milestone, but a meaningful step toward building a secure future. We understand that the mortgage process can feel overwhelming that’s why we walk alongside you every step of the way, making the journey as smooth and stress-free as possible. Our experienced team takes the time to truly understand your needs, offering excellent, personalized customer service rooted in trust and transparency. Our mission is simple: to help you save money by securing the best rates, provide exceptional service, and keep your goals at the heart of everything we do. We treat every client like family, providing guidance you can rely on and support you can feel confident in. Whether you’re purchasing your first home, refinancing, or investing, you can count on us to serve you with excellence and faith-driven commitment. At Logos Mortgage we don’t just close loans—we build lasting relationships grounded in service and trust.

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Why Work with Us?

We truly care about what is best for you! From pre-approval to closing, our goal is simple: deliver exceptional service while helping you save money. Every client receives a completely customized experience because we believe your mortgage solution should be tailored specifically to your goals.

The trust placed in us every day by our clients and real estate partners is the foundation of our success, and we work hard to earn it through transparency, communication, and results.

With access to multiple loan products, we provide more options, competitive rates, and low fees—allowing us to find the right loan program and best terms for your unique situation.

Our advanced tools and streamlined systems make the process faster, more efficient, and easier to navigate. From secure digital applications to real-time updates and simplified document uploads, we use innovative technology to create a smooth, stress-free experience—all while delivering exceptional service every step of the way.

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How the process works

1

DOCUMENTATION

There are a few critical documents we will need to verify to start your process.

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2

APPRAISAL

The appraisal ensures the home you are buying is worth the price that is being offered.

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3

INITIAL UNDERWRITING

The Underwriter will verify that all information is accurate and authentic.

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4

CONDITIONAL APPROVAL

Conditional Approval is granted when the Underwriter approves the loan under certain conditions.

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5

CLEAR TO CLOSE

The Underwriter verifies that all documentation has been provided and all conditions have been met.

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6

CLOSING

Signing the final documentation and receiving the keys to your new home!

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SCHEDULE A CALL

Are you trying to figure out if renting or buying a home is better for you? Try using our rent vs buy calculator to see what makes sense for you…

Our mortgage calculators are for demonstration purposes only and may not reflect actual numbers for your specific mortgage. Contact us and we will walk you through the best possible mortgage scenario for your specific needs!

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$500 $10,000
$
$50,000 $2 Million
$
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0% 20%
Credit Score
Advanced (optional)
Loan Term
$
%
0% 5%
$
%
0% 15%
$ /month
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0% 5%
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$ /year
Buying is cheaper than renting after
If you buy a house, after 3 years it will cost you $58 more per month and $5000 more in total than if you had rented. But you will own in equity of your home with an appreciated value of . If you buy a house, after 3 years you will have saved $58 per month and $5000 in total than if you had rented. You will also own in equity of your home with an appreciated value of .
Buying will never be cheaper than renting
Home equity after
RENT: $0
BUY: $0
years
Total cost over years
TOTAL COST
YEARS
Save & Email Results
Costs over
Monthly Cost (after )
Rent
Buy
Difference
$0
$0
$0
Yearly Cost (after )
Rent
Buy
Difference
$3,019
$92,453
$89,434
Total Cost (after )
Rent
Buy
Difference
$3,019
$92,453
$89,434
Estimated Costs
These costs are estimated based on the information under the advanced section. You may adjust these values to suit your particular situation in order to get a more accurate estimate.
Monthly mortgage payments
$
Homeowner's insurance
$
Private Mortgage Insurance
$
HOA dues
$
Property tax
$
Home repairs
$
Renovations
$
Closing costs
$
Yearly rent increase
%
Rental insurance
$
How We Calculate the Costs
Calculating the Cost of Renting The cost of renting is relatively straightforward to calculate. It primarily includes your monthly rent payments and a few additional expenses:
  • Monthly rent payments
  • Security deposit (typically equal to one month's rent)
  • Renters insurance (annual premium)
Calculating the Cost of Buying The cost of buying a home is more complex and includes both one-time and ongoing expenses: One-time Costs:
  • Down payment
  • Closing costs (typically 2-5% of the home's value)
Ongoing Costs:
  • Monthly mortgage payments (principal and interest)
  • Property taxes
  • Homeowners insurance
  • Private Mortgage Insurance (PMI) if applicable
  • HOA fees (if applicable)
  • Maintenance and repairs
  • Home improvements and renovations
Assumptions Our calculator makes several assumptions to provide a comprehensive comparison:
  • Annual home appreciation rate: %
  • Annual rent increase: %
  • Renters insurance: $ per year
  • Home maintenance and repairs: % of home value per year
  • Home improvements and renovations: % of home value per year
  • Selling costs when you sell the home: % of home value
These values can be adjusted in the advanced settings to better reflect your specific situation. The calculator takes all these factors into account over the specified time period to determine whether renting or buying is more cost-effective in your situation. Keep in mind that this is a simplified model and your actual costs may vary based on your specific circumstances and local market conditions.

Check out our other mortgage calculators

Access our top-rated mortgage calculators to expertly assess your financing options, compare various loan types, and make informed decisions for your home buying journey.

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Recent Posts

At Logos Mortgage, our recent blog posts are designed to keep you informed and empowered in today’s ever-changing mortgage market. We’ve been covering timely topics that matter most to homeowners and buyers alike—from understanding the latest loan programs and refinancing opportunities, to navigating interest rate shifts and making sense of new lending guidelines. Each post is written to provide practical insights, easy-to-follow explanations, and strategies you can use to make confident financial decisions. Whether you’re a first-time buyer, a seasoned investor, or simply exploring your options, our blog is your go-to resource for clarity and guidance on all things mortgage.

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