First Time Buyers

This page shows what we can do to help at no cost to you.

9 Steps to Owning Your Own Home

An overview of the entire home-buying process.

Home Buyer Checklist

Use this form to compare homes and ask the right questions.

Financing

Document Your Assets

Information for your lender.

Get Pre-Qualified

Why get pre-qualified?

Loan Application Checklist

Use this to find out what you need to have with you when applying for a loan.

Your Buying Power

How much home can you really afford?

Mortgage Shopping

What to look for.

Your FICO Score

How your credit score is determined and how important it is when applying for a mortgage.

Loan Programs

Many types of loans explained on this page.

Lender Types

This page explains how your mortgage may begin with a lender, loan broker or correspondent and then be taken over by another company.

Housing Finance Agencies

Links to State Housing Agencies (Loan assistance programs).

Alternative Financing

Alternatives and additional information.

Locking in Rates

Ideas to get and lock in the best mortgage deal.

Mortgage Saving Tips

Save even more money on your mortgage.

Staying Approved

How to avoid approval problems at closing.

The Bi-Weekly Mortgage

Save yourself thousands of dollars over the life of your loan and avoid extra fees.

Your Down Payment

Save it, borrow it, receive it as a gift, possibly avoid having to pay it.