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First-time Homebuyers

  • How do I start the loan process?
    Select “Apply Now” above or call your local office today!
  • What all do I need to pre-qualify?
    • Most recent 2 years W2/1099 forms
    • Most recent 2 years Federal Tax Returns (All Pages)
    • Most recent month’s paystub(s)
    • Most recent 2 month’s statements for Checking, Savings, and Retirement accounts
    • Copy of your Driver’s License
  • How much do I need for a down payment?
    This is calculated on a case by case basis dependent on Loan Type and applicant information. Below are the averages for each loan type. Conventional – 5%, FHA – 3.5%, VA – Usually No Down Payment, USDA – No Down Payment
  • How long does the process take?
    Each Application is different and can vary depending on the market. We can guarantee that we will do our best to close your loan as quickly as possible!

Reasons to Own, Instead of Rent