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.

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The Art of Refinancing

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

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Let Us Exceed Your Expectations Each Step of the Way

Prev 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
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
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.

We Support Our Customers to Make Their Dreams Happen

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.

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Life at Home
August 04, 2022
5 Tips to Make the Most of End of Summer in Your Yard and Garden

The August heat has rolled in, and autumn is waiting just around the corner. That said, there’s still plenty of time left to enjoy your summer in your yard and garden! 1. Bring on the Shade Rising temperatures and heat index in the month of August make shady spaces more important than ever. If you […]

Extended Rate Lock: Lock Your Rate in Early and Relax!
Loan Origination
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Extended Rate Lock: Lock Your Rate in Early and Relax!

What is an Extended Rate Lock? An extended rate lock is a mortgage loan option that allows home purchasers to “lock” in today’s interest rate and guard themselves from the added cost of rising rates before they settle on their new home. A lower interest rate translates into a lower monthly payment, making extended rate […]

Tips for Buying a Home in a Different State
Life at Home
July 21, 2022
Tips for Buying a Home in a Different State

Buying a home can be a daunting task but buying in a different state can bring a higher level of stress and more of the unknown. We have compiled a list of tips and tricks to help make your buying and moving processes as seamless as possible. Make Sure You Do Your Research on Real […]

5 Tips to Make the Most of End of Summer in Your Yard and Garden
Life at Home
August 04, 2022
5 Tips to Make the Most of End of Summer in Your Yard and Garden

The August heat has rolled in, and autumn is waiting just around the corner. That said, there’s still plenty of time left to enjoy your summer in your yard and garden! 1. Bring on the Shade Rising temperatures and heat index in the month of August make shady spaces more important than ever. If you […]

Extended Rate Lock: Lock Your Rate in Early and Relax!
Loan Origination
July 28, 2022
Extended Rate Lock: Lock Your Rate in Early and Relax!

What is an Extended Rate Lock? An extended rate lock is a mortgage loan option that allows home purchasers to “lock” in today’s interest rate and guard themselves from the added cost of rising rates before they settle on their new home. A lower interest rate translates into a lower monthly payment, making extended rate […]

Tips for Buying a Home in a Different State
Life at Home
July 21, 2022
Tips for Buying a Home in a Different State

Buying a home can be a daunting task but buying in a different state can bring a higher level of stress and more of the unknown. We have compiled a list of tips and tricks to help make your buying and moving processes as seamless as possible. Make Sure You Do Your Research on Real […]

5 Tips to Make the Most of End of Summer in Your Yard and Garden
Life at Home
August 04, 2022
5 Tips to Make the Most of End of Summer in Your Yard and Garden

The August heat has rolled in, and autumn is waiting just around the corner. That said, there’s still plenty of time left to enjoy your summer in your yard and garden! 1. Bring on the Shade Rising temperatures and heat index in the month of August make shady spaces more important than ever. If you […]

Extended Rate Lock: Lock Your Rate in Early and Relax!
Loan Origination
July 28, 2022
Extended Rate Lock: Lock Your Rate in Early and Relax!

What is an Extended Rate Lock? An extended rate lock is a mortgage loan option that allows home purchasers to “lock” in today’s interest rate and guard themselves from the added cost of rising rates before they settle on their new home. A lower interest rate translates into a lower monthly payment, making extended rate […]

Tips for Buying a Home in a Different State
Life at Home
July 21, 2022
Tips for Buying a Home in a Different State

Buying a home can be a daunting task but buying in a different state can bring a higher level of stress and more of the unknown. We have compiled a list of tips and tricks to help make your buying and moving processes as seamless as possible. Make Sure You Do Your Research on Real […]

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