First-time home Buyers
Helping First-Time Homebuyers Succeed
Secure payments and faster equity growth with our flexible conventional loans.
Making Homeownership Easy for First-Time Buyers
Step 1
Check your financial readiness
Determine how much you can spend on a home by reviewing your income, savings, debts, and credit score. Factor in your down payment and monthly mortgage costs to set a realistic budget.
Step 2
Get pre-approved and explore your options
Our team has access to thousands of loan programs, making it easy to find a mortgage that fits your financial situation. We’ll help you get pre-approved, so you can show sellers you’re a serious buyer.
Step 3
Connect with a real estate agent
Partner with a knowledgeable real estate agent who understands your needs and the local market. They’ll guide you through every step of the process, from house hunting to closing.
Step 4
Submit an offer and negotiate
Once you find the right home, work with your agent to make a competitive offer. Be ready to negotiate price and terms with the seller to reach a mutually agreeable contract.
Step 5
Complete the home buying process
After your offer is accepted, complete inspections, appraisals, and secure final mortgage approval. Carefully review all closing documents before signing to finalize your home purchase.
6 Key Factors That Influence Your Interest Rate
- Residential type
Condominiums and multi-unit properties typically carry higher interest rates than single-family homes.
- How You’ll Use the Property
We put our clients first, creating lasting relationships and crafting mortgage solutions that align with their goals.
- Your credit score
Higher credit scores can help you secure significantly lower interest rates.
- Initial payment
We remove the complexity from mortgages, guiding you through each step so you can make informed, confident decisions
- Mortgage amount
A smaller mortgage can reduce monthly costs and interest paid over time.
- Financing Option
We remove the complexity from mortgages, guiding you through each step so you can make informed, confident decisions
Prepare your pre-approval documents
- Most recent tax filings
- Proof of income like pay stubs
- Ongoing bills, outstanding credit, and loans
- Current and previous employment
- Bank, investment, and retirement statements
Make confident decisions with our easy calculators
We remove the complexity from mortgages, guiding you through each step so you can make informed, confident decisions
- Mortgage Calculators
- Affordability calculator
Start your journey to a new home today
Secure mortgage pre-approval to make your homebuying process smoother.