Purchasing Your First Home

Purchasing a first home is an exciting milestone in any person's life. For some, the process may also seem very intimidating. That's why we are available 24/7 to help guide homebuyers and answer any questions they may have. 

How Much Home Can I Afford?

Typically, the first question would-be homebuyers ask themselves is, "What can I afford?" Many factors determine what a reasonable mortgage payment should be for an individual, including annual income, existing debt payments, down payment (if any), as well as additional costs like homeowners insurance and housing association fees.

What Type of Loan Should I Get?

Each financing option has their own unique advantages. For most veteran and active duty military members, we highly recommend the federally-backed VA Loan due to its distinct benefits over traditional loans.

Advantages of a VA Loan:

•No Down Payment Necessary.

•Less Stringent Qualifications.

•Lower Monthly Payments.

In addition to the VA Loan, we are proud to offer several other financing options for homebuyers; including FHA loans, and traditional mortgages.

Getting Pre-Approved

The first step toward securing your loan is getting pre-approved. This involves a pre-qualification process, where a loan officer assesses your financial situation and determines what you qualify for. 

APPLY HERE

Finding a Real Estate Agent

When using a VA Loan, it's important to find a real estate agent that not only knows the intricacies of the VA Benefit Program, but also understands the specific needs of veterans and active duty military members. 

FIND AN AGENT