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How It Works —
Your First Home in 6 Simple Steps

From pre-qualification to closing day, we’ll walk you through the process, explain your options, and help you feel confident every step of the way.

  1. Get Pre-Qualified – We’ll review your application and documentation to help you understand what loan programs you may qualify for and the price range that fits your budget.

  2. Find Your Home – Work with your real estate agent to identify the right property that meets your goals and loan eligibility

  3. Make an Offer – Once you’ve selected a property, we can provide a pre-qualification letter (if eligible) to accompany your offer and demonstrate your readiness to purchase.

  4. Appraisal & Underwriting – Your home will be appraised to confirm its value, and the lender will review your income, assets, and credit to verify loan eligibility.

  5. Clear to Close – If approved, you’ll review your final loan documents and confirm your loan terms before closing.

  6. Welcome Home! – After signing your closing documents and funding, you’ll receive your keys and can celebrate your new home.

Loans Designed for First-Time Buyers

FHA Loans: Low down payment & flexible credit.

Conventional 97%: Only 3% down for qualified buyers.

VA Loans: No down payment for eligible veterans.

USDA Loans: 0% down for homes in qualifying rural areas.

Down Payment Assistance Programs: Where available, local or state-level support you may qualify for.

The Do's and Don'ts
When Applying for a Home Loan

Do's and Don'ts When Applying for a Home Loan

Ready to Take the First Step?

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