Its an exciting time to buy a home!
You only buy your first house once. Make sure you take advantage of all the credits and programs available to first time home buyers. Not only do we have your standard FHA, VA, USDA and conventional loans but we can also apply state and local incentives that make your first home even more affordable.
6 Steps to Buying Your First Home
01
Speak with a Loan Officer
Speak with a loan officer about your home ownership goals. They will walk you through what you can afford and get approved for.
02
Submit All Documents
Submit all income and asset docs to your Loan Officer so they can give you a solid preapproval
03
Start Shopping
Get out there and start looking at houses! Get with your realtor and find the house of your dreams.
04
Submit Your Offer
Work with your Realtor and Lender to but together an offer on the property. Both will guide you to getting your offer accepted
05
Loan Processing
Once your offer is accepted its on your loan officer to get your loan underwritten and ready to close. Additional documents may be requested.
06
Close on Your new Home
Once your loan is clear to close its time to sign the paperwork and move into your new home!
Frequently Asked Questions
Simply reach out to our team, providing us with your vision, and we will swiftly develop a plan that will transform your dreams into lasting memories.
Whats the minimum credit score to buy a home?
Technically you only need a 500 credit score but its very hard to get that approved without considerable assets. With a 580 credit score you can put down 3.5%
I don’t have the money for a down payment what are my options?
Don’t worry there are a ton of down payment assistance programs. Some of the best and most popular are ones offered through your state.
I haven’t been at my job for 2 years. Can I buy a home?
Yes you can! We only need a 2 year work history. You can be at your job for a week and still buy a home.
Interest rates are high. Is it really a good time to buy a house?
It’s actually a great time to buy a house. When rates are high there are less people buying homes which typically means its easier for buyers to negotiate. You can always refinance when rates come down.
I’m not sure what I can afford. How do I figure that out?
The first step is always contacting a loan officer. They will walk you through a series of questions to get you to what you can afford.
Need further assistance?
Need help finding the answers you need? Let’s have a conversation.