Everything you need to know before you buy your first home — from checking your credit to picking up the keys.
We start with a quick conversation to understand your situation and determine exactly what paperwork you'll need to gather — every buyer's situation is a little different, so this sets the right path from day one.
Next, we talk through your budget in detail — a realistic price range, your down payment, and the total cash you'll need at closing. This gives you a clear, honest picture before you start touring homes.
As part of this step we'll confirm your credit and finalize your pre-approval if you're ready to move forward. If you're not quite there yet, we'll put together a plan to get you buy-ready — so you know exactly what to work on and when you'll be set.
Now the fun part. Work with a real estate agent to tour homes within your pre-approved range and get a feel for neighborhoods, schools, and commute times.
Your agent will help you craft a competitive offer based on comparable sales in the area. Once accepted, you'll move into the official loan application and underwriting process.
A licensed inspector checks the home's condition, and the lender orders an independent appraisal to confirm the home is worth the loan amount.
Once you're under contract, closing usually takes less than 30 days. Sign the final paperwork, pay your closing costs and down payment, and get your keys. Congratulations — you're a homeowner!
It depends on the loan program. VA loans can go to 0% down, FHA loans as low as 3.5%, and conventional loans often start around 3–5% for first-time buyers with certain programs.
FHA loans can work with scores as low as 580 (sometimes lower with a larger down payment). Conventional loans typically want 620+. Higher scores generally mean better rates.
Once you're under contract on a home, closing usually takes less than 30 days — timing can vary a bit depending on the lender and loan type, but that's the typical window.
Not quite. Pre-approval is a strong initial assessment based on your financials. Final approval happens after underwriting reviews the specific property and your full documentation.
Let's talk through your specific situation and get you pre-approved.