Are you a first-time homebuyer? Or maybe you aren’t, but are looking to find a home better suited to your current life. Or perhaps you are refinancing to take advantage of lower loan interest rates, or cashing out existing equity through a home loan to pay off major bills or make home improvements. Whatever your needs, even if this is your first home mortgage, we can make the process easy for you. Plus, with an inside-and-out understanding of the home loan industry, we’re glad to take the time to explore and explain every option, and answer any and all questions you may have about your first home mortgage.
First Home Mortgage? We Can Help!
Many of our clients have come to us without knowing a thing about getting their first home mortgage or home loan, and that’s okay! Buying a home can be stressful for an experienced purchaser, to say nothing about making the first attempt. Dealing with a first home mortgage doesn’t have to be difficult, however, and that’s where we come in.
We are happy to serve first-time homebuyers—or anyone looking at their first home mortgage—and can hold your hand through the entire process. Our experienced staff understands the mortgage process inside and out and will take the time to explore every option with you and answer every question so you can be sure you’re choosing the financing option that’s right for you.
Don’t listen to the media! 100% financing loans DO still exist!
These types of home loans are meant for qualified borrowers who have moderate to lower incomes and have little or even no money saved for a normal down payment on a loan:
USDA mortgages are the only zero-money-down program available to borrowers who have not served in the military. This makes them a fantastic option for moderate- to lower-income borrowers who don’t have money set aside for a normal down payment. Eligible borrowers have access to low home loan rates, more lenient eligibility requirements, and 100% financing that is backed by the United States Department of Agriculture. If you are nervous about your first home mortgage because of your income, this is a great option to ask about.
FHA loans are meant for borrowers who have a small down payment, but not the traditional 20% down that accompanies a conventional loan. FHA loans require just 3.5% down and are backed by the Federal Housing Administration. The FHA program helps stimulate the housing market by making loans accessible and affordable and is a popular option for many first-time homebuyers. If you’ve saved some money for your first home mortgage but still have a budget to consider, this may be right for you.
VA loans are a mortgage option available to individuals, veterans and service members alike, who served and were honorably discharged from the United States military. These home loans are backed by the U.S. Department of Veterans Affairs, enabling us to provide you with more favorable terms and up to 100% financing. We are proud to work with our nation’s service members to make their first home mortgage experience—any mortgage experience—a simple and positive one.
Our home loan programs include:
Home Loan Programs
- USDA 100% Financing
- Home Renovation/Permanent Rehab
- Veteran 100% Financing
- FHA Loans
- Conventional Investment Purchase
- Conventional Purchase
- VHDA Loan
- VA Interest Rate Reduction
- Cash-Out Refinance