Get Pre-Qualified for a Mortgage

Pre-qualification gives you a general idea of how much you can borrow based on your income and financial profile. It helps you:

• Set a realistic budget
• Show sellers you're a serious buyer
• Reduce the chance of surprises later

Note: Pre-qualification is not the same as preapproval, which is a conditional commitment from a lender for a specific loan amount.

Build Your Homebuying Team

Work with professionals to streamline your journey:

Mortgage Lender:

• Compare rates and loan types
• Ask about qualification criteria, down payments, and rate locks

Real Estate Agent:
Look for someone with:

• Local market expertise
• Good communication
• Positive reviews and experience

An agent can help you find the right home, negotiate offers, and handle complex paperwork.

Explore First-Time Homebuyer Programs

Many programs can help you buy a home with less money upfront:

• Fixed-rate mortgage: Steady payments over the loan term.
• Adjustable-rate mortgage (ARM): Lower initial rate that may increase over time.

Government-backed loans:

• FHA: Low down payments, flexible requirements
• VA: For eligible military members and veterans, often with no down payment
• USDA: 100% financing for rural properties

Check local and state programs via HUD.gov to find grants, assistance, and incentives in your area.

Buying your first home is a big step—but you don’t have to do it alone. With the right preparation and trusted partners, you can feel confident every step of the way. Ready to get started? Explore Mortgage options with us today!