Purchasing a home for the first time? This is an exciting step that some people may never experience. We are here to answer all the beginning questions that start with making a purchase.

We understand the challenges of purchasing for the first time and have years of experience helping homeowners make that first step.

What can you afford? Leave that up to us, instead of stressing about what to look for within just a few minutes you will know right away what you can afford. We know all the major factors in qualifying for a home for the first time. Here are some of the questions you would be asked.

Are you wanting to do a 100% purchase with no money down?

What is your monthly debt which would show up on your credit (late’s, judgments or derogatory)?

What is your Gross monthly income?

Where do you think your credit score is?

Do you have a property in mind, and where would you like to buy?

What type of program are you interested in (30,25,20,15 year)?

How long do you plan on staying in the house? (This would help determine if a fixed or variable would be best. Most homeowners tend to live in their home for about 3 to 5 years before they do something.)

Will you be the only one on the loan?

Once you have this information together feel free to call us at anytime for a pre-approval (801) 871-3739.