THINKING TO BUY A NEW HOME?

Loan Programs

Our home buying loan programs include low interest options such as VA home loans or an FHA loan for first-time home buyers. Other types of loans include cash out refinance, home equity line of credit or a home improvement loan. These use home value or equity as collateral to finance important financial needs.

New Home Buyer Checklist

Do you know what to do after closing on a house?

Closing on a house checklist offers tips on how to prepare for closing on a house. New home buyer guide helps first time and homebuyers prepare after the initial offer is accepted and know what to bring with you to closing ceremony.

Mortgage Contract Final Underwriter Approval

A key step in the home buying process includes an underwriter approving your loan. The underwriter is hired by the mortgage lender and reviews your financial data to make sure everything is up to date and accurate. During this review process try to not do anything that will negatively impact your credit score.

Homeowners Insurance Title

As part of the closing process, most mortgage lenders require you to purchase an owner’s title insurance policy to protect your legal claims to the house as well as the amount they lent you or if in case any title dispute arises during the sale process

Closing Disclosure Document

Take a look at your closing disclosure, or financial statement and note if there are discrepancies to the loan estimate paperwork provided by your lender and ask them to explain.

Final Walk Through of the Property

Do a walk-through 24 hours before closing and make sure the condition of the home is what was agreed upon in the contract and that any repairs requested form the seller were made.

First-time Homebuyer Programs & Housing Aid Options

Rookie home buyers can still get their foot in the property ownership door with FHA loans.

FHA loans are backed by the government and are especially beneficial to first-time buyers. House hunters who have suffered minor career setbacks or have a less than perfect past can still get approved without a squeaky clean credit score.

Another way these types of loans help make the American dream a reality is that they offer lowered down payment requirements. On the other hand, FHA loans usually require an upfront insurance policy and overall borrowing costs tend to be higher than a traditional mortgage.

Those looking to buy a home may be able to get approved for financing with a credit score of 580 and a down payment as low as 3.5%. With this homebuyer purchase assistance program, credit scores of 500 to 579 may be able to qualify for a mortgage, if they have 10% to put down.

Why choose us (build based on other competitors)

Single Point of Contact Streamlines the Sales Process

A dedicated financial advisor will work with you one on one throughout the home buying process.

We’re Here to Help Make Your Dream Home a Reality

Our residential mortgage lenders believe everyone deserves the chance to own a home and take pride in helping people finance their dream home.

A New Home Mortgage Marks a Major Life Milestone

Purchasing a new home is a big decision and requires long term commitment as you'll have mortgage payments for years to come.