First Time Home Buyer
Is this your first time buying a home? If you’re new to the world of home loans, check out the resources and information we have for first-time home buyers. Familiarize yourself with the process, learn about the different costs associated with buying your first home, and learn how you can improve your credit rating before you apply for a loan.
A lot goes into getting a loan for your first home.We have but together a comprehensive guide that will help lead you through the process of buying your first home with confidence. Included in our guide is the following:
- How to pre-qualify
- Home shopping process
- Learn about locking in your interest rate
- Home appraisel process
- Loan processing, escrow and other services
- What is an underwriter? We'll explain what they do.
Check your credit reportUnderstanding how credit affects you is easier than you think, and, very important. Whether you have great credit, no credit, or in process of rebuilding your credit we provide you with steps to improve your financial health and get you into that new home.
Check your credit report
Loan CalculatorsBefore you decide to purchase your first home, make sure it's financially feasible. We've provided a wide range of calculators for you to use to determine some preliminary answers. Plug in your figures and see if it all adds up.
Mortgage Pre-Qualification Calculator
No-Cost Prequalification Counseling!Get pre-qualified before you start looking at homes. You’ll be able to find the price range that best fits your budget. We will advise you on the documents you’ll need to have ready when it’s time to process the actual loan application. You may even be able to afford more house than you thought!
Apply In Person or Online
If you’re more comfortable talking face-to-face, our in-house Mortgage Counselor can set up an appointment to discuss your lending needs. We’re here to take the mystery out of mortgage shopping and provide you with peace of mind throughout the entire process.
Give our Mortgage Loan Counselor a call to set up your appointment:
410.828.4730 press 2