1st Timer Information

Buying a home requires more than just money for a down payment. You also have to be committed to taking control of your surroundings and your finances. We will work with you throughout the home-buying process to help make owning your first home as easy as possible. Together, we can help you understand how owning a home is more attainable—and easier to understand than you may realize.

Understanding Homebuying

Are you ready for that magic time of owning your first home?   Are you wondering how to go about it?  This is the perfect place to start! We give you step-by-step instructions on how to get into your first home!

The Process

We will want to verify certain information about you and the property. Borrower information will include verification of income and employment, assets, and your credit history. You, the applicant, as part of your application process, will usually provide some of this information. Other information, such as your credit history, will be obtained directly from the credit bureaus.

General Purchase Information

Getting pre-approved will you save yourself the grief of looking at houses you can’t afford and put you in a better position to make a serious offer when you do find the right house. Pre-approval is quite different from pre-qualification. Pre-qualification is merely a cursory review of your finances, pre-approval is based on your actual income, debt and credit history.


When you decide to sell, the first thing to do is investigate the local housing market.   Check how sales were running, say, a year ago, so you get an idea of whether the market is heating up, cooling down, or staying put. This exercise should give you a sense of what your home is worth.


Points are up front mortgage interest fees paid on a loan to reduce the initial interest rate. For example, a one-point loan will always have a lower interest rate than a zero-point loan.

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