RESOURCES
HOMEBUYING PROCESS
Step 1: Assess Your Finances
Before buying a home, check your credit score, review your savings, and calculate your budget. A good credit score can help you secure better loan terms.
Step 2: Get Pre-Approved
A pre-approval letter shows sellers you’re a serious buyer. Gather necessary documents like tax returns, W-2s, bank statements, and pay stubs.
Step 3: Choose the Right Mortgage
Decide between loan types:
• Conventional Loan – Ideal for buyers with strong credit.
• FHA Loan – Low down payment option for first-time buyers.
• VA Loan – No down payment for eligible veterans.
• USDA Loan – 0% down for rural homebuyers.
Step 4: Find a Home & Make an Offer
Work with a real estate agent to find homes that fit your budget and needs. Once you find the right home, submit an offer.
Step 5: Home Inspection & Appraisal
A home inspection ensures the property is in good condition. An appraisal confirms the home’s value matches the loan amount.
Step 6: Final Loan Approval & Closing
Once your loan is approved, you’ll sign closing documents, pay closing costs, and get the keys to your new home!
First-Time Homebuyer Assistance Programs
Many first-time buyers qualify for grants, tax credits, and down payment assistance programs.
✅ VA Loans – No down payment for eligible veterans
✅ FHA Loans - Low down payment (as low as 3.5%)
✅ USDA Loans – 0% down for rural homebuyers
✅ State & Local Grants – Many states offer homebuyer assistance programs.
We Can Find Programs in Your State.
MORTGAGE CALCULATOR
Use our Mortgage Calculator to estimate your monthly payment. Enter your loan amount, interest rate, and loan term to see an estimated payment breakdown.
PRE APPROVAL CHECKLIST
To get pre-approved, you’ll need:
✔️ Proof of income (W-2s, tax returns, pay stubs)
✔️ Proof of assets (bank statements, investments)
✔️ Credit history (your lender will pull your credit report)
✔️ Employment verification
✔️ Debt-to-income ratio (DTI) evaluation
