First-Time Homebuyer

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Discover Homeward Bound: Your Path to Financial Freedom

Join our exclusive Homeward Bound credit care program and pave the way to homeownership with confidence. Take control of your credit journey today and unlock better mortgage rates and opportunities.

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Taking the First Steps

Buying your first home is exciting, but the mortgage process can feel overwhelming.

We've Made it Easier with These Steps

  • Check Your Finances

    First, review your credit score and finances. We need this to see if you qualify for a home loan and determine your interest rate. A minimum score around 580 is typically required. If you need help improving your score, our Homeward Bound Credit Care Specialist can assist you.

  • Get Pre-Approved

    Contact us to get pre-approved for a loan. You can start by using our EZ Home Loan app or speaking with one of our mortgage bankers. They’ll help you figure out how much you can afford and explain upfront costs so you can plan your budget accurately.

  • Start House Hunting

    Once pre-approved, start looking for homes within your budget.

  • Complete Your Mortgage Application

    When you find the right home and your offer is accepted, complete your mortgage application using our EZ Home Loan app. This keeps you connected with your mortgage banker so you’re always informed about your loan status.

  • Home Appraisal and Finalize Loan

    We’ll appraise the home to determine its value and finalize your loan.

  • Review and Close

    Before closing, we’ll go over all loan details and costs with you.

  • Close and Get Keys

    Finally, sign the paperwork, pay any closing costs, and receive the keys to your new home!

Affordable Home Buying Options

  • FHA Home Loans

    • Lower down payments
    • Lenient credit score requirements
    • Great alternative if you don’t qualify for conventional loans

  • VA Home Loans (For eligible veterans & service members)

    • No lender fees with Resource (save $1,295)
    • No down payment
    • No monthly mortgage insurance
    • Lower interest rates

  • Down Payment Assistance

    • Help with down payment or closing costs
    • Average benefits can range from $10,000 to $25,000
    • Some programs can be combined for more savings

  • USDA Loans

    • Low or no down payment options
    • Competitive interest rates
    • Ideal for purchasing outside urban centers

  • Conventional Loans

    • Low down payment options
    • Competitive fixed interest rates
    • Ideal for those looking to save

I’m Ready to Take the Next Steps to Home Ownership

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Connect Me with a Mortgage Banker
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Download the Homebuyer Guide
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I’m Ready to Start My Loan Application