First Time Homebuyer
Become a Homeowner
You may qualify for programs that will lower your costs both upfront and monthly, making the goal of homeownership closer than you might think.
- Qualify for down payment assistance and below-market rates
- Pay the same or less per month than what you currently spend on rent
- Options with low down payments and flexible credit requirements available
- Start building equity now for a sounder financial future
First Time Homebuyer Checklist
It’s the biggest purchase of your life. And online research only goes so far. Reach out for personalized, expert advice.
Get a Pre-ApprovalStart your home search with confidence. Know exactly how much you can afford and take the opportunity to have all your mortgage questions answered before you start shopping.
Find a HomeYour mortgage banker will match you with a local real estate agent who will share home search insights, making the decision on the perfect home easier.
Make An OfferYour real estate agent will guide you through the steps to make your first offer. They will advise you on offer requests, such as seller-paid closing costs.
Easy ApplyOnce your offer has been accepted, it’s time to apply. You’ll be on your way to an official loan approval in 20 minutes or less.
Trust Your TeamYour mortgage banker and processor will educate you on the loan process and keep you informed from start to finish.
Time to CloseYour mortgage banker will review the amount you need to bring to closing, your real estate agent will conduct a final-walk through with you, and then it’s time to go to the title company to sign all your documents. When it’s all done, you're handed the keys!
First-Time Homebuyer FAQ
Get answers about buying your first home, getting a mortgage, and the closing process.