First-time buyers
Your first home starts with a conversation, not a stack of paperwork.
No jargon, no pressure, no dumb questions. We explain how it works, what you'll need, and which programs fit — then shop 100+ lenders for your best option.
No obligation. No credit pull to start.
Start here
The three questions every first-time buyer asks
How much can I afford?
We'll look at your income, debts and savings and give you a real number, plus a comfortable one.
How much do I need saved?
Often less than people think. Some programs allow low down payments and gift funds from family, and assistance programs may help.
Is my credit good enough?
Maybe better than you think. If it's not there yet, we'll tell you exactly what to work on.
Your options
Programs first-time buyers use most
Not sure which program fits? That's our job.
Get My OptionsStep by step
Your road to keys
- 1
Talk to us
A quick 15-minute call.
- 2
Get pre-approved
We shop lenders and issue your pre-approval.
- 3
Shop homes
With your agent, knowing your numbers.
- 4
Go under contract
We handle appraisal and underwriting.
- 5
Close
Sign and get your keys.
Be ready
What to gather
- Two recent pay stubs
- Two years of W-2s
- Two months of bank statements
- Photo ID
Questions, answered straight
Common questions
Should I talk to a lender before an agent?+
Yes. Knowing your numbers first keeps you from falling for a house you can't buy.
Will getting pre-approved hurt my credit?+
Multiple mortgage inquiries in a short window are generally treated as one. We'll explain before we pull anything.
What are closing costs?+
Fees for the appraisal, title, lender and more. We estimate them up front so nothing surprises you.
Do I need a big down payment?+
Not necessarily. Many buyers put down far less than they expect. We'll show you the real numbers for your situation.
Ready to find out where you stand?
It takes about a minute to start. A real person on our team will follow up.