We know that buying a home is exciting!

We also know that it’s one of the biggest decisions you’ll make. That’s why we want to give you the guidance you need to feel confident and secure throughout the whole process. We work with you to create individual loan options based on your specific borrowing needs. We’re here to help make the process a little easier.

First Time Home Buyer Programs

We help first-time homeowners navigate the home buying process. We focus on you, your specific situation, and affordability. 

Where to begin?

1) Assemble your team
Choosing the right realtor and lending partner is key to buying your new home.

2) Educate yourself
How much mortgage can you afford? Do you need to work on your budget? What steps should you take prior to applying? Our financial education partner, Banzai, can help you navigate through all those questions and run through interactive scenerios.

3) Get pre-qualified
Before you begin your house hunting journey, take the first step by figuring out how much you can afford and get pre-qualified with your local lender. This is a no cost, no obligation exercise that will answer your questions about the financial responsibilities of purchasing a home before you actually apply for a loan.

4) Contact your local lender
Your local lender will be your main point of contact in getting you started in the loan process. Submit a Mortgage Inquiry to get started.

Want to learn more? Visit our Mortgage Center.

Discover Different Mortgage Loan Types

One of the biggest perks of home ownership is the ability to build equity over time. You can borrow against the equity that you have built in your property if it makes sense and is affordable. 2nd mortgages are a lien against your property with another monthly mortgage payment, so it is wise to consider both short and long term consequences of adding debt attached to your home. We are here to advise and talk through scenarios to help you arrive at a sound, comfortable decision for you. Reducing interest costs and loan terms are great factors to consider. 

Want to learn more? Gain knowledge with interactive articles to help learn more about Home Equity Loans and Lines of Credit!
A construction loan is a loan used to finance the building of a new home. The home buyer takes out a construction loan to cover the cost of building the house. The home buyer has one year to complete the house. During the first year the home buyer is responsible for interest only payments during the construction phase. They will then be responsible for Principal and Interest after the first year.

A Turn key Loan relates to house and land packages which are marketed as a complete package at a pre-determined price, prior to the house being built. There is an option that if rates drop during the building of the home there is a free one time option to float the rate down.
An accessory dwelling unit (ADU) is a secondary dwelling that shares a residential lot with a primary house. Also called guest houses, in-law setups, or accessory apartments, ADUs are smaller and independent from the main house on the property. Elderly and/or disabled persons who may want to live close to family members or caregivers, empty nesters, and young adults just entering the workforce may benefit from an ADU.

Are you curious about how much of a Mortgage you could afford?

Discover your ideal monthly housing payment, use mortgage refinance & early payment calculators, and more by running interactive scenarios within our Education Center.


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