Take the first step toward your dream home
Answer a few quick questions and see where you stand before you start shopping.
See if you're ready to buy
Pick the answer closest to your situation. You can go back and change any step.
Buying your first home, step by step
The process can feel overwhelming. Start here and it gets a lot simpler.
Set a budget
Know the monthly payment you're comfortable with, including taxes, insurance and any HOA dues.
Get pre-approved
A pre-approval shows sellers you're serious and tells you exactly what you can buy.
Research neighborhoods
Look at schools, commutes and how prices have moved in the areas you like.
Work with a trusted agent
A good agent helps you find the right home and negotiate the best deal.
Have a Mortgage Question?
We've got the answers you need. Didn't find yours? Reach out, we're happy to help.
How do I qualify for a loan?
Qualifying depends on several factors, including your credit score, income, employment history and debt-to-income ratio. We look at all of them together to find your eligibility and the best loan options for you.
How can I improve my chances of getting approved?
Improving your credit score, paying down existing debt and keeping a stable income all help. The best way to set yourself up for success is to get pre-approved early, so we can look at your situation and build a plan that fits it.
Do I need 20% down to buy a home?
No. Several loan programs allow lower down payments, as little as 3% down for qualified buyers. With less than 20% down you'll usually have PMI (private mortgage insurance), which is a useful tool for buyers and nothing to be afraid of. We can walk you through the options for your situation.
Can I get a loan if I have low credit?
Yes, it's possible, though options and rates may differ from those available with higher scores. We offer products for a range of credit profiles and can show you how to improve your credit to qualify for better terms.
What is PMI, and is it bad?
PMI, or private mortgage insurance, is coverage lenders require when a buyer puts down less than 20%. It protects the lender in case of default. It isn't a bad thing: with decent credit it can be quite affordable, and it lets buyers purchase a home without waiting to save a full 20% down payment.