With or Without a Down Payment
There are many types of first-time home buyers, variations include your age and stage of life, resources, and credit history. A few scenarios are described on this page. The short answer is:
No matter where you are in your life, your credit history, or accumulated savings, talk to us.
Whether you have limited credit (shorter length of time), or limited breadth (lacking multiple types of credit), a lower credit score, less money for a down payment, or any combination of these, we have access to programs that will provide you with the funds to purchase your first home.
“Mortgage 101” is my free consultation with you. I look at your personal, unique, financial scenario, educate you regarding what you need to know about the mortgage process, and lay out your options based on what loan products you can qualify for, whether or not you have the funds for a down payment.
I analyze your individual situation and help you understand what you can purchase and what price range fits within your budget.
At that point, if you are ready, I will collect your information and we can start the preapproval process.
The A+ Home Buyer
If you have great credit, and easy access to a down payment for 20% or more of your desired home price, that’s great! Let us shop our database of over 100 lenders for you to find the best loan at the lowest rate, that gives you the most bang for your hard-earned ratings and bucks.
Contact me to start the process!