FIRST-TIME HOMEBUYERS
- The dream starts here
Purchase loan options
Connect with a Mortgage Advisor
There’s a lot to learn when you’re ready to purchase your first home. Our team will explain each step, so you feel informed and confident.
Get pre-approved before you shop
Set your goals, figure out your budget, and get pre-approved. This way, you know exactly what you can afford before you start house hunting.
Get the keys!
Nothing makes us more excited than taking you to the finish line – the front door to
your first home.
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We’re here for you.
Contact us for all your home loan needs.
First time home-buyer FAQ
You have questions. We have answers.
How much money do I need to put down?
It’s a common misconception that you need 20% down to buy a home. There are different options available that allow you to obtain a loan with a lower down payment.
My credit score is less than perfect, does that mean I can’t get a home loan?
Not necessarily. There are many different types of loans with varying credit score requirements.
What is the most common mortgage type for first-time homebuyers?
The three most common home loan types are Conventional, FHA and VA, if eligible. You can learn more about these loans here
How do I know which loan type and terms are right for me?
Our experienced Mortgage Advisors will give you the guidance you need so you can choose the program that best fits your needs.
We strive for simple
We’ve crafted (and perfected) our streamlined process based on feedback from clients, employees, and partners.
- Choose your communication mode
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- Share your goals
Type them up via our simple online application – or talk it through with a friendly advisor. Either way, we’ll help you determine your best options before you apply.
- Submit your application
Our team will carefully review your loan application along with all other requirements, like employment and credit history.
- See you at the finish line
Finalizing loans are music to our ears. Once your loan is approved and all conditions are met, we’ll work with you to set up a date to close on your loan. Hooray!
Purchase loan options
Everyone’s homebuying journey is different. We offer a variety of
mortgage loan types to choose from – and we’ll help guide
you toward the option that’s best for you.
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Conventional
Loans not offered or secured by a government agency
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Jumbo
Loans that are above the conventional loan limits up to $2.5 million
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Alternative Home Loans
Loans that are not required to meet standard agency documentation requirements
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VA
Loans available to active and retired service members and their spouses
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FHA
Loans to help low- to moderate-income families attain homeownership.
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USDA
Loans for lower income residents of rural areas
Helpful Blog Articles
