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

“He was flawless in his management of our home purchase. An incredibly thoughtful communicator. And was able to explain even the most intricate nuances of the mortgage process to us as first time home buyers. I’d highly recommend him (and already have).”

Lendaid Review

Thank you so much for being with us during this whole process, everything went as smooth as it could be and we know it’s because of all your hard work and efforts. We will definitely keep in touch.

Douglas and Alicia J.

I want to thank you and your team for helping me secure my new home.   It was an easy process and you helped me through every step.  I will always be thankful for all the assistance.

Mary A.

Having gone through the purchase process a number of times, I have to say this was the easiest!

Jean M.
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Learn More Through Our News and Resource Hub

Home Trend Do’s and Don’ts
Life at Home Miscellaneous
July 21, 2021
Home Trend Do’s and Don’ts

Home decorating trends are constantly changing and it is hard to keep up with every new fad that emerges. Floral prints may be popping up everywhere now and those bright colored kitchen appliances may not stand the test of time. So, which trends should you follow and which should you leave behind? The lists below […]

6 Home Selling Mistakes to Avoid
Life at Home
July 14, 2021
6 Home Selling Mistakes to Avoid

Selling your home can be challenging, especially when it is your first time doing it, but it doesn’t have to be! While each individual home selling experience comes with its own unique challenges, there are some common mistakes you can avoid to make the selling process a bit easier when you are ready to put […]

The Federal Housing Authority Announces Update to Student Loan Policies
Market Updates FHA
July 08, 2021
The Federal Housing Authority Announces Update to Student Loan Policies

Understanding which home loan program is the most beneficial for you when purchasing or refinancing a property is key to making a successful loan choice. Our loan officers are up to date on the best programs and newest guidelines, and are here to educate you on your most advantageous options. If you have current or […]

Home Trend Do’s and Don’ts
Life at Home Miscellaneous
July 21, 2021
Home Trend Do’s and Don’ts

Home decorating trends are constantly changing and it is hard to keep up with every new fad that emerges. Floral prints may be popping up everywhere now and those bright colored kitchen appliances may not stand the test of time. So, which trends should you follow and which should you leave behind? The lists below […]

6 Home Selling Mistakes to Avoid
Life at Home
July 14, 2021
6 Home Selling Mistakes to Avoid

Selling your home can be challenging, especially when it is your first time doing it, but it doesn’t have to be! While each individual home selling experience comes with its own unique challenges, there are some common mistakes you can avoid to make the selling process a bit easier when you are ready to put […]

The Federal Housing Authority Announces Update to Student Loan Policies
Market Updates FHA
July 08, 2021
The Federal Housing Authority Announces Update to Student Loan Policies

Understanding which home loan program is the most beneficial for you when purchasing or refinancing a property is key to making a successful loan choice. Our loan officers are up to date on the best programs and newest guidelines, and are here to educate you on your most advantageous options. If you have current or […]

Home Trend Do’s and Don’ts
Life at Home Miscellaneous
July 21, 2021
Home Trend Do’s and Don’ts

Home decorating trends are constantly changing and it is hard to keep up with every new fad that emerges. Floral prints may be popping up everywhere now and those bright colored kitchen appliances may not stand the test of time. So, which trends should you follow and which should you leave behind? The lists below […]

6 Home Selling Mistakes to Avoid
Life at Home
July 14, 2021
6 Home Selling Mistakes to Avoid

Selling your home can be challenging, especially when it is your first time doing it, but it doesn’t have to be! While each individual home selling experience comes with its own unique challenges, there are some common mistakes you can avoid to make the selling process a bit easier when you are ready to put […]

The Federal Housing Authority Announces Update to Student Loan Policies
Market Updates FHA
July 08, 2021
The Federal Housing Authority Announces Update to Student Loan Policies

Understanding which home loan program is the most beneficial for you when purchasing or refinancing a property is key to making a successful loan choice. Our loan officers are up to date on the best programs and newest guidelines, and are here to educate you on your most advantageous options. If you have current or […]

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