Guidance for buyers purchasing their first home or returning to homeownership.
First-time buyer options may include FHA, Conventional 3% down, VA if eligible, USDA if the property and income qualify, and local down payment assistance. The best program depends on credit, income, debt-to-income ratio, savings, property type, and occupancy.
Good fit for buyers who need education, lower down payment options, gift funds, or help understanding closing costs.
Pre-approval starts with income review, credit review, asset review, employment history, and a document checklist.
Government-backed and assistance programs have specific eligibility rules and may require homebuyer education.
This page is for education only. Final approval depends on completed application, credit review, income verification, property eligibility, underwriting, and program guidelines.
Complete the secure application so we can review your goals, income, credit, property, and loan needs.
Use the client portal to upload income, assets, ID, contract, insurance, or other required items.
We compare eligible programs and explain payment, down payment, mortgage insurance, and closing costs.
Your file moves through processing, underwriting, conditions, clear-to-close, and closing.
Start the secure application and we will review your options.
