We Are Committed to Your Homebuying Success

Purchasing a Home… Redefined

Let a seasoned lending professional dedicated to your community provide support throughout the entire homebuying process.

Learn More

The Art of Refinancing

With skill and resourcefulness, our lending professionals successfully navigate the refinancing landscape.

Learn More

Let Us Exceed Your Expectations Each Step of the Way

Prev Step Prev Step
Next Step Next Step
step-1
1. Pre-Qualification
step-2
2. Making an Offer
step-3
3. Mortgage Process
step-4
4. Closing Process
step-5
5. Making Payments

1.

The first step toward a home purchase is getting pre-qualified for a loan. Your Loan Officer will review your financial information and determine how much you are qualified to borrow. As a pre-qualified buyer, your offer on a home is more likely to be accepted.

2.

Once you have found a home, you will make an offer to buy it from the seller. A real estate professional will conduct negotiations and a contract will be submitted to purchase, accompanied by the pre-approval letter. Once your offer is accepted, you will begin the application process.

3.

When the seller accepts your offer, you begin the mortgage process. Your Loan Officer will gather your financial information, loan application and provide the initial disclosures based on your loan terms.

4.

In the days leading up to settlement, you will be sent final documentation about your loan, including the Closing Disclosure. You must review, sign and return the paperwork a minimum of three days prior to your scheduled closing date.

5.

Your settlement documents will include instructions on how to make your first payment. While First Home Mortgage services many of our loans, it is possible servicing will be transferred. You will be mailed a notification that designates your mortgage servicer.

Prev Step Prev Step
Next Step Next Step
step-1
1. Consultation (Prior To Pre-Qualification)
step-2
2. Pre-Qualification
step-3
3. Mortgage Process
step-4
4. Closing Process
step-5
5. Making Payments

1.

Your Loan Officer will review your financial information and determine if refinancing is the best option.

2.

You will submit a loan application.

3.

Your Loan Officer will gather your financial information, loan pre-qualification and provide the initial disclosures based on your loan terms.

4.

In the days leading up to settlement, you will be sent final documentation about your loan, including the Closing Disclosure. You must review, sign and return the paperwork a minimum of three days prior to your scheduled closing date.

5.

While First Home Mortgage services many of our loans, it is possible servicing will be transferred. You will be mailed a notification that designates your mortgage servicer.

Prev Step Prev Step
Next Step Next Step
step-1
1. Pre-Qualification
step-2
2. Making an Offer
step-3
3. Mortgage Process
step-4
4. Closing Process
step-5
5. Post-Closing

1.

The first step toward a home purchase is getting pre-qualified for a loan. Your Loan Officer will review your financial information and determine how much you are qualified to borrow. As a pre-qualified buyer, your offer on a home is more likely to be accepted.

2.

First, identify a property that needs work that you want to renovate. From there, you will provide the following to your loan officer to prepare preliminary figures and make sure you qualify for this specific property and renovation amount. You will then receive a pre-approval letter and make the offer.

3.

The first step in the renovation process will be scheduling an appointment with a licensed consultant off of HUD’s consultant roster; they will help you determine the mandatory items that have to be done to get the home up to the minimum property standards for the appraisal and help you devise the scope of work for your wish-list items.

4.

In the days leading up to settlement, you will be sent final documentation about your loan, including the Closing Disclosure. You must review, sign and return the paperwork a minimum of three days prior to your scheduled closing date.

5.

During Post Closing, your contractor can begin the work. You will start making payments which works the same as a standard loan unless you’ve financed payments into the loan for when the home will be uninhabitable during the renovation.

Testimonial Quote

We Support Our Customers to Make Their Dreams Happen

Go to Previous
Go to Next

First Home Mortgage will always be my go-to! The entire team was extremely helpful, professional, knowledgeable, organized, and efficient through the entire home buying process. I couldn’t give a higher recommendation! 20/10 stars across the board.

This could not have been a better First Time Homebuyer experience! The team was so incredibly great to work with! So organized, attentive and timely with everything along the way! We will definitely go back for all of our home loan needs! They made what can be a daunting experience, an easy one!

This is by far the most amazing company I have dealt with. This was my first time purchasing a home. I had no clue what I was doing. They showed me every step that was necessary in order for me to get into the home.

Top Mortgage Lenders
Top Mortgage Lenders

Scotsman Guide

Top 1% Mortgage Originators
Top 1% Mortgage Originators

Scotsman Guide

Top 50 Mortgage Companies in America
Top 50 Mortgage Companies in America

Mortgage Executive Magazine

Top Mortgage Lenders, Top Overall Volume, Top Retail Volume
Top Mortgage Lenders, Top Overall Volume, Top Retail Volume

Scotsman Guide

Learn More Through Our News and Resource Hub

Introducing First Home Mortgage’s Community Empowerment Initiative
First Home News
October 01, 2024
Introducing First Home Mortgage’s Community Empowerment Initiative

First Home Mortgage is proud to announce the launch of its transformative Community Empowerment Initiative, a bold new program designed to make homeownership more accessible to underserved communities. This initiative marks a major step forward in the company’s ongoing mission to bridge the homeownership gap and expand affordable housing opportunities across the region. As a […]

VA Announces Temporary Policy Update on Real Estate Agent Commissions for Veterans
Market Updates
June 13, 2024
VA Announces Temporary Policy Update on Real Estate Agent Commissions for Veterans

The Department of Veterans Affairs (VA) has announced a temporary policy update allowing veterans to pay real estate agent commissions when purchasing a home. This change, effective August 10, 2024, aims to prevent VA buyers from being disadvantaged as new real estate rules take effect later this summer. Key Updates: Effective Date: The policy takes […]

First Home Mortgage Announces Tim Whittier as New President, Setting Course for Growth
First Home News
May 20, 2024
First Home Mortgage Announces Tim Whittier as New President, Setting Course for Growth

In a move signaling a new phase of growth and innovation, First Home Mortgage proudly announces the appointment of Tim Whittier as its new President. With a wealth of experience and a dedication to excellence, Whittier is poised to lead the company into an exciting era of expansion and success.  David Waters, CEO and Founder […]

Introducing First Home Mortgage’s Community Empowerment Initiative
First Home News
October 01, 2024
Introducing First Home Mortgage’s Community Empowerment Initiative

First Home Mortgage is proud to announce the launch of its transformative Community Empowerment Initiative, a bold new program designed to make homeownership more accessible to underserved communities. This initiative marks a major step forward in the company’s ongoing mission to bridge the homeownership gap and expand affordable housing opportunities across the region. As a […]

VA Announces Temporary Policy Update on Real Estate Agent Commissions for Veterans
Market Updates
June 13, 2024
VA Announces Temporary Policy Update on Real Estate Agent Commissions for Veterans

The Department of Veterans Affairs (VA) has announced a temporary policy update allowing veterans to pay real estate agent commissions when purchasing a home. This change, effective August 10, 2024, aims to prevent VA buyers from being disadvantaged as new real estate rules take effect later this summer. Key Updates: Effective Date: The policy takes […]

First Home Mortgage Announces Tim Whittier as New President, Setting Course for Growth
First Home News
May 20, 2024
First Home Mortgage Announces Tim Whittier as New President, Setting Course for Growth

In a move signaling a new phase of growth and innovation, First Home Mortgage proudly announces the appointment of Tim Whittier as its new President. With a wealth of experience and a dedication to excellence, Whittier is poised to lead the company into an exciting era of expansion and success.  David Waters, CEO and Founder […]

Introducing First Home Mortgage’s Community Empowerment Initiative
First Home News
October 01, 2024
Introducing First Home Mortgage’s Community Empowerment Initiative

First Home Mortgage is proud to announce the launch of its transformative Community Empowerment Initiative, a bold new program designed to make homeownership more accessible to underserved communities. This initiative marks a major step forward in the company’s ongoing mission to bridge the homeownership gap and expand affordable housing opportunities across the region. As a […]

VA Announces Temporary Policy Update on Real Estate Agent Commissions for Veterans
Market Updates
June 13, 2024
VA Announces Temporary Policy Update on Real Estate Agent Commissions for Veterans

The Department of Veterans Affairs (VA) has announced a temporary policy update allowing veterans to pay real estate agent commissions when purchasing a home. This change, effective August 10, 2024, aims to prevent VA buyers from being disadvantaged as new real estate rules take effect later this summer. Key Updates: Effective Date: The policy takes […]

First Home Mortgage Announces Tim Whittier as New President, Setting Course for Growth
First Home News
May 20, 2024
First Home Mortgage Announces Tim Whittier as New President, Setting Course for Growth

In a move signaling a new phase of growth and innovation, First Home Mortgage proudly announces the appointment of Tim Whittier as its new President. With a wealth of experience and a dedication to excellence, Whittier is poised to lead the company into an exciting era of expansion and success.  David Waters, CEO and Founder […]

Roll Up Your Sleeves – it’s Time to Get to Work!

  How Can We Help?