Ready to take the next step? Connect with an Ascend mortgage specialist to start planning your path to homeownership.

Work with a Local Team that Puts You First

Purchasing a home is one of the most significant decisions you’ll make in your financial journey, and who you choose as your homebuying partner matters. At Ascend, our locally based mortgage specialists take a personal approach that sets us apart from other lenders. We work with you to understand your financial picture and goals. No matter your situation, we are here to help with clarity, flexibility, and trusted advice.

While having a trusted, local team by your side makes a meaningful difference there are other things you can do today to prepare for your homeownership journey. Here are some more tips to get you started:

Start with realistic savings goals and debt management

Review your budget and identify how much money you are bringing in versus spending. With our Spending Analysis tool in the Ascend Mobile App, your transactions are automatically categorized so you can see where your money is going each month.

Once you've identified a few areas to cut back on, setting up automatic transfers in the Ascend Mobile App can make saving that much easier. Even small (but consistent) transfers can add up over time. For instance, if you set up an automatic transfer for $100 a month, that means you’d have saved $1,200 by years’ end, and that’s without including any dividends you may receive from your money.

Plan for your down payment

A down payment is one of the biggest upfront costs of buying a home. Setting aside funds early can make the process smoother and reduce stress later on.

Ascend offers products designed to help you stay on track, such as our Home Purchase Share Certificate or a Money Market account. These accounts allow you to earmark funds for your future home while earning dividends along the way.

In some circumstances, you may be able to purchase a home without a substantial down payment, or any down payment at all.

Set clear goals with the right tools

Understanding how your credit impacts your mortgage gives you more control and confidence as you prepare. Luckily, credit monitoring is made easy with the SavvyMoney tool in the Ascend Mobile App. With SavvyMoney, you can monitor your credit and get clear, actionable steps on how to increase your score.

Get pre-qualified early

Pre-qualification allows you to understand exactly how much house you can afford and shows sellers and real estate agents alike that you’re a serious buyer. Beyond that, pre-qualification gives you peace of mind knowing that the house you’re shopping for fits your lifestyle and budget.

Remember refinancing is part of the journey

Homeownership doesn't end at closing. With lifestyle changes or shifts in interest rates, refinancing may help lower your payment, shorten your loan term, or access your home’s equity. Planning ahead with Ascend ensures you are prepared for opportunities both now and in the future.

Take the next step

Planning for a mortgage doesn't have to be complicated. With the right tools, guidance, and local support, you can start your homeownership journey with confidence.

Connect with one of our local mortgage specialists to discuss your options by emailing mortgages@ascend.org or calling 931-454-1300. You can also start an application at ascend.org/mortgage.

Federally insured by NCUA. Equal Housing Lender. NMLS #451452.

*Ascend services all loans in-house, excluding FHA and VA loans.