First time’s
the charm.
Buying your first home is an exciting milestone, and we’re here to make it a smooth and memorable experience. From understanding your budget to finding the right loan, our team will guide you every step of the way. With tools, tips, and tailored solutions, we’ll help you unlock the door to your very first home. Let’s make it happen together!
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Mortgage 101
Mortgages can be confusing, but we’re here to simplify things. From loan types and interest rates to down payments and closing costs, we’ll guide you through the essentials. Whether you’re buying or refinancing, we’ll help you make informed decisions every step of the way. Let’s get started!
Get Everything Lined Up.
Before starting your journey to homeownership, take time to plan. This involves listing your needs and wants, finding a trusted real estate agent, and setting a realistic budget to determine what you can afford and where.
Pro tip.
Crunch numbers, get quotes.
This website features user-friendly mortgage calculators to help you estimate your budget. Our free rate quote form connects you with one of our loan originators, who is ready to answer questions, offer recommendations, and guide you through the process.
Your “Key” to Homeownership.
pre-approval determines the loan amount you're eligible for and provides a certified pre-approval letter, making you a more competitive buyer in the eyes of sellers. To get started, we’ll check your credit and review key financial details. Don’t worry, first-time homebuyers—your budget is in good hands.
Pro tip.
Take care of your credit.
Check your credit report and address any issues before submitting it for pre-approval. The stronger your credit, the better your terms will be. And with better terms, you’ll be in a stronger position to secure your dream home.
Everyone’s favorite Step.
Maybe you’ve noted a few “For Sale” signs in the neighborhood. Or maybe you’ve got a bunch of tabs open on your laptop. Either way, you’re now ready to start touring houses. Work closely with your real estate agent and keep that wants-and-needs list at the ready.
Pro tip.
Keep your composure.
Whether you’ve spotted a few “For Sale” signs in the neighborhood or have multiple tabs open on your laptop, you’re now ready to begin touring homes. Work with your real estate agent and keep your list of wants and needs handy as you explore your options.
Competitive Rate. A fair price.
You’ve found your home, made an offer, and the seller accepted—congratulations! Now, it’s time to discuss loan options and rates with one of our loan originators. We’ll help you navigate both the big picture and the finer details. Once your rate is locked in and guaranteed, we’ll order an appraisal to ensure you're getting a great deal on your new home.
Pro tip.
Love your rate? Lock it.
Is your house hunt taking longer than planned? No problem. Rate Protect allows you to lock in your rate while you continue shopping, so you can focus on finding the perfect home without worrying about market changes. Contact your loan originator to see if you qualify.
Attending to the details.
The underwriting process begins after your application is submitted and your loan is locked. Our underwriters will review your financial details, including credit history, debt-to-income ratio, income, and employment, to minimize risk and ensure a secure loan for you (and us).
Pro tip.
Prepare your paperwork.
The time it takes to underwrite your loan can vary, but having your pay stubs, bank statements, tax returns, and other documents ready can help speed up the process. Your loan originator will guide you through what’s needed and ensure you’re fully prepared.
Almost home.
Once the seller accepts your offer, your lender will assist in finalizing all the details and tying up any loose ends. Meanwhile, your new home will be appraised and inspected to ensure everything checks out. After that, you'll sign the closing disclosures and cover the closing costs. Then, it’s time for the keys!
Pro tip.
Set aside 6%.
Be sure to set aside funds for your closing costs. While you may be able to negotiate some fees or roll them into your mortgage, it’s wise to plan for up to 6% of your loan’s value to cover unexpected costs.
Down payments can be as low as 3%.
Your down payment doesn’t have to be hefty. With options as low as 3%, homeownership could be closer than you think. Let’s find the right solution that fits your budget and gets you into your new home sooner.
Credit scores as low as 580 may qualify.
Closing costs are generally 3-6% of your loan value.
Closing costs typically range from 3-6% of your loan amount. While it’s an important factor to plan for, we’ll help you understand and manage these costs so you can move forward with confidence.
Ready to get
moving?
We’re ready to help. Start your homeownership journey today with a free rate quote.