First-Time Home Buyer

You will always remember your first home and the special accomplishment that it is. You may also feel like a fish out of water leading up to and during the purchase of your first home. This is perfectly normal. We were all first-timers, too, and can identify with your anxieties and concerns. Our way of doing things has been built around making sure the first-time home buyer feels secure, informed, and like they have a round-the-clock guard watching over the details of the transaction.

What we want you to know is that you do not need to be afraid to reach out and engage us, whether in person, by phone, email or text. We are not “salesy” and nor will you feel pressure in any way. We are just friendly mortgage experts who like our jobs a lot.

Home Purchase Process

Home Purchase Process

Whether you are buying for the first-time or are an experienced home owner, the process of buying a home is very involved. We want you to know that lenders are not created equal in this area. A satisfying home buying experience requires a lending team that knows what they’re doing at every stage and one that is available to you when you need help or questions answered. We are known for always meeting deadlines, providing a smooth ride and for being a pro-active problem solver, where applicable. Below is an overview of the five stages of the home purchase process. Please click below to learn about the five stage of the home purchase process.

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First-Time Home Buyer Loan Programs

First-Time Home Buyer Loan Programs

First-Time Home Buyers have it made. Not only are their programs specifically designed for first-timers, the other programs are available as well. Click below to visit our Loan Programs page so you can get a basic overview of all loan programs available.

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Down Payment Assistance Programs

Down Payment Assistance Programs

Many of our first-time home buyer clients have everything in place to purchase their first home….except the money. Don’t let this stop you from applying with us and starting the pre-approval process. Between down payment assistance, seller credit, lender credit, and gift funds, we will find the solution. Click below for more education on the available down payment assistance programs.

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A Quality Pre-Approval Process

A Quality Pre-Approval Process

I’m sure you’ve heard of the term “medical misdiagnosis”? Of course, a misdiagnosis occurs when a physician isn’t paying close enough attention or doesn’t have the experience or knowledge needed for the situation they are working on. The last you want as a buyer is to think you have the green light to purchase, only to find out that your lender has misdiagnosed your situation. Please click below to learn more about a quality pre-approval process.

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Quality Loan Estimates

Quality Loan Estimates

During the pre-approval process, you should receive detailed loan estimates of all available options. The loan estimate shows you, among other things, the payment you can expect and the money you will need. It’s important that the loan estimates you receive are accurate and complete because you are counting on their accuracy when assessing your financial readiness for home ownership. We understand the importance of this crucial piece and hold ourselves to the highest standard, so you can have confidence in the numbers we show you. Please click below to learn more about quality loan estimates.

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