• Skip to primary navigation
  • Skip to main content
  • Skip to footer
Jagoe Homes
CONTACT
  • Call Or Text
    • 270-213-6427
  • Email Sign-Up
    • Sign Up for Jagoe Home Emails

      Get the latest Jagoe Homes news and promotions sent straight to your inbox.

      • This field is for validation purposes and should be left unchanged.
  • Social
  • MyJagoe
    • Sign In or Register

      With a MyJagoe Profile you can save your favorite communities and floor plans, explore home features, options and costs and generate updated cost estimates and much more. Login now or get started by registering.

      • Login
      • Register
Jagoe Homes

Jagoe Homes

Where Life Happens

MENUMENU
  • Find Your Home
        • Shop by Area
          • Boonville
          • Bowling Green
          • Evansville
          • Huntingburg
          • Louisville
          • Newburgh
          • Owensboro
          • Build on Your Land
          • Communities
          • Floor Plans
          • Move-In Ready Homes
          • Build on Your Land
  • Gallery & Virtual Tours
        • Design Your Dream Home
        • Virtual Tours
        • Gallery
        • Videos
  • Create Home Estimate
  • Finance Your New Home
    • First Time Home Buyer Help
    • Mortgage Center
    • Home Loan Learning Center
    • Down Payment Assistance
    • SureTrade Program
  • Why Choose Jagoe
    • Testimonials
    • Built Energy Smart
    • The Construction Process
    • Why Build a New Home?
    • Buying vs. Renting
    • 2-10 Home Buyers Warranty
    • About Jagoe
    • Home Buyer Incentives

First Time Home Buyer Help

Home / Finance Your New Home / First Time Home Buyer Help

The Jagoe Homes team is here to answer your questions. Plus, FBC Mortgage lenders will guide you every step of the way, from pre-approval to finding the mortgage that’s right for you.

In this section you’ll find basic questions and answers every first-time home buyer needs to know. If you have other questions or concerns, feel free to chat, call, text, or email us.

The Basics

How much house can I afford?

There are a variety of factors that affect how much you can afford. Some of these factors include income, credit history, the size of the down payment, as well as employment and residence histories. Keep in mind, you could qualify for a home loan much higher than you can comfortably afford, so borrow cautiously. Ask questions. Use tools, such as FBC’s Mortgage Calculator, to get simple advice on how much you can afford to pay for your new Jagoe Home.

Learn more on how much you can afford»

What are the up-front costs when I buy a new Jagoe Home?

It’s important to remember your being able to afford a new home involves more than just the amount you borrow. Be sure to consider the up-front costs of buying a home as well as the ongoing costs of home ownership.

Some of the costs associated with buying a home before you start making regular mortgage payments include:

  • Mortgage application fees
  • Earnest money
  • Down payment
  • Mortgage points
  • Closing costs
Learn more about the upfront costs of buying»
Is it better to buy or to rent?

While owning a new Jagoe Home is usually more affordable than renting, everyone has their own unique situation to consider.  There are many factors to consider, and our New Home Consultants are here to help you identify what is best for you.

Learn more about the advantages of buying versus renting»
What are the different types of mortgage loans?

There are many mortgage loan options available to you, and understanding your choices is an important part of making the best decision for your personal situation. FBC Mortgage is a leader in the home mortgage industry, and hundreds of Jagoe Home buyers have said they would recommend FBC Mortgage in the future.

Learn more about the different types of loans, their key benefits, and how to determine which loan may be best for your personal circumstances»
What is a mortgage APR?

Annual Percentage Rate (APR) is the amount of interest on your total loan amount you will pay annually (averaged over the full term of the loan). A lower APR translates to lower monthly payments. (You’ll see APR alongside interest rates in today’s mortgage rates.)

Learn more about the mortgage APR»
What is the Difference Between Pre-qualification and Pre-approval?

Both pre-qualification and pre-approval show you are a serious buyer. One gets you started on the process, and the other makes it official.

Learn more about when and how to go about getting pre-qualification and pre-approval»
How much down payment should I plan on a new home?

A down payment demonstrates your commitment to buy. In addition, a larger down payment can help you secure a better interest rate, which means you’ll have lower monthly mortgage payments.

Learn more on how much to secure for a down payment»
What documents will I to apply for a mortgage loan?

To apply for a mortgage loan, you’ll need documents that prove how much you earn, where you have lived, monthly debts and account balances.

Learn more on how to apply for a mortgage loan»

How do I make an offer on a home?

Making an offer on a house is a formal process. It can be very helpful to have a competent, experienced real estate agent working with you.

Learn more on some tactics to discuss with your agent»
What takes place at the mortgage closing?

The closing is the last step in the home-buying process. This is when all the parties get together to finalize the transaction by exchanging signatures, checks, and ultimately the keys to the home.

Learn more on what takes place at the closing»

Buying a home doesn’t need to be overwhelming!
Visit our Home Loan Learning Center and get details you need.

5 STEPS To Owning Your New Jagoe Home

In order to own a new Jagoe Home, you just need to start the process. The goal is to get you in your dream home as soon as possible and to keep you updated on progress through each stage. With our easy five steps to owning your new Jagoe Home, you will be sure to know the answers to all your questions. You will never be alone during this process – our top-notch Online Sales Consultants will guide you through your online research and our equally impressive New Home Sales Consultants will make sure you get everything you want.

X
1

Loan Pre-Approval

Loan Pre-Approval

Our preferred lending partner, FBC Mortgage, will guide you through the financial process, from pre-approval to finding the mortgage that’s right for you. And since every buyer is unique, the experts at FBC can help you select the best loan option to fit your budget, while securing a low interest rate.

This is a big purchase and we want You to be in control. Find more information on financing and owning your new Jagoe Home in our Home Loan Learning Center.

  • FBC Mortgage
  • Home Loan Learning Center
2

Select A Home Plan

Select A Home Plan

Once you’ve selected which Jagoe Homes’ Community you want to call home, check out all the floorplan choices. You’ll appreciate the flexibility many of the floorplans offer, including the number of bedrooms and bathrooms you can choose from, as well as the distinctly varied facades, plus options such as fireplaces, luxury baths, gourmet kitchens and extended garages.

Choose from one of Jagoe’s many communities in Evansville, Huntingburg, and Newburgh in Indiana, and Henderson, Owensboro, Bowling Green, and Louisville in Kentucky. You can also build on your own land!

  • Communities
  • Floor Plans
3

Pre-Construction

Pre-Construction

We will walk you through every step of our construction process and answer any questions you may have. We know how important building your new home is to you—and we want to prove how important your trust is to us.

  • Design Your Dream Home
4

Building Process

Building Process

Our construction process is first-rate. From excavation and foundation, to the framing, plumbing, electrical, interior detail, and all the way through to the final quality inspections, Jagoe Homes is noted for making the entire experience as pleasant, efficient, and stress-free as possible for the buyer.

  • Construction Process
  • Built Energy Smart
5

Move In

Move In

Your home closing takes place, the landscaping is installed, and the sod is laid. You’ve officially completed the steps to own your new Jagoe Home!

For peace of mind even after you’ve moved in, your new Jagoe Home is backed by our 2-10 Home Buyer’s Warranty.

  • 2-10 Home Buyer’s Warranty

SCHEDULE A TOUR

We’d love the opportunity to take you on a tour of one or more of our beautifully finished Jagoe Model Homes. We’ll contact you to work with your schedule. Our team looks forward to meeting you!

  • This field is for validation purposes and should be left unchanged.

Don & Kim Horvath

Don and I would both like you to know how much we appreciate the two gentlemen who do warranty service, not only do we feel they are knowledgeable, but courteous. They take the time necessary to make sure to explain processes. They both displayed extreme professionalism, that is a sure asset to Jagoe Homes, they put the fact in “It is the service after the sale that counts.”

Newburgh, IN
MORE TESTIMONIALS

Steven & Cheryl Camp

My husband and I wanted to write and let you know how much we appreciated Terry and Jamie. They both were so caring and thoughtful towards us. Most of all they were hard workers and wanted our Jagoe Home to be everything we could ever dream of. They became family to us, because we felt they truly cared about our concerns. We feel family built our home! I just referred another couple to Dana and if they buy it will be #6, I helped sell. Thanks for having such great people working for you! We love our Jagoe Home but… Read more “Steven & Cheryl Camp”

Evansville, IN
MORE TESTIMONIALS

Vicki Willis

I love my new home. It is very comfortable and energy efficient. It was great for me that Jagoe Homes furnishes the lot with the home since lots are very difficult to find close to town. I feel safe in the neighborhood and have nice neighbors.

Newburgh, IN
MORE TESTIMONIALS

Ron & Romona Smith

All of the people from your organization have been professional and informative during the whole building process. Thanks again for a lovely new home and we have already recommended Jagoe Homes to friends at church.

Newburgh, IN
MORE TESTIMONIALS

Linda Whae & Patricia Sanders

The selling team that you have at Stonecreek in our opinion is second to none. Their professional qualities complement each other and create a win-win solution. Patty and I both will highly recommend Jagoe Homes to anyone who is searching for a home. In return, we hope that you will also commend your Sales Team for a job well done, for it was their demeanor that sold us on Jagoe Homes.

Evansville, IN
MORE TESTIMONIALS

Footer

Have a Question?

Send us a quick message and we'll get back to you shortly
  • This field is for validation purposes and should be left unchanged.
QUICK LINK MENUQUICK LINK MENU
        • GET TO KNOW US

        • Home
        • About Jagoe Homes
        • Why Choose Jagoe
        • News & Blog
        • Testimonials
        • Contact Us
        • FIND YOUR HOME

        • Communities
        • Floor Plans
        • Find a Move-In Ready Home
        • Build on Your Land
        • Design Your Dream Home
        • Gallery & Virtual Tours
        • FINANCE YOUR HOME

        • First Time Home Buyer Help
        • Mortgage Center
        • Home Loan Learning Center
        • Down Payment Assistance
        • Home Buyer Incentives
        • PARTNER WITH US

        • Email Sign-Up
        • For Media
        • Community Involvement
        • Career Opportunities
        • For Realtors
NAHB
Jagoe Where Life Happens
MENUMENU

3624 Wathens Crossing • Owensboro, KY 42301 • Phone: 270-684-0639 • Fax: 270-683-8288

Copyright © 2021 Jagoe Homes · All Rights Reserved.Site by AXIOM

MENUMENU
  • Site Map
  • Privacy Policy
Call

Call

Text

Text

Text

Email

Chat

Chat

Open toolbar

Accessibility Tools

  • Increase Text
  • Decrease Text
  • Grayscale
  • High Contrast
  • Negative Contrast
  • Light Background
  • Links Underline
  • Readable Font
  • Reset