Your first mortgage, explained like you're new — because you are.
First home? The alphabet soup — FHA, PMI, DTI, LTV — is our job, not yours. We'll walk you through low-down-payment options, check what assistance programs you may qualify for, and make sure the first offer you write is one a seller takes seriously.
Anyone buying their first home — and "first-time" is more generous than it sounds: many programs count you as first-time if you haven't owned in the last three years. If you've been told you need 20% down and perfect credit, you've been told wrong.
Twenty minutes on your income, savings, and goals. No credit pull required to start.
A real number, in writing, that makes listing agents return your agent's calls.
FHA, conventional 3%-down, USDA, plus any state or local assistance you qualify for.
We keep you off the paperwork mountain and explain every document before you sign it.
Often less than one year of rent. Between low-down programs, seller-paid closing costs, and assistance programs, buyers regularly close with far less cash than they expected. We'll build your actual number.
No. FHA programs in particular are built for real credit histories. Worst case, you leave with a specific 3–6 month plan instead of a guess.
You can refinance a rate; you can't refinance the years of equity you didn't build. We'll show you the rent-vs-own math for your situation, not a slogan either way.
Every scenario is different — program guidelines, rates, and qualifying criteria vary by lender and change over time. The fastest way to a real answer is a conversation. This page is general information, not a commitment to lend.