You don’t need a 20% down payment or perfect credit to buy a home. With the right strategy and the right loan program, owning your dream home is closer than you think. Here is your ultimate roadmap to getting the keys.
The Homebuying Roadmap
Get Pre-Approved
Before you even look at houses on Zillow, you need to know exactly how much you can afford. We will review your income and credit to issue a strong Pre-Approval Letter, making you a serious buyer in the eyes of sellers.
House Hunting & Making an Offer
Partner with a real estate agent to find homes within your pre-approved budget. When you find “the one,” your agent will help you negotiate and submit a competitive offer.
Appraisal & Underwriting
Once your offer is accepted, we take over. We order an appraisal to ensure the home’s value and submit your file to our underwriting team for final loan approval.
Closing Day!
You sign the final paperwork, pay your down payment and closing costs, and get the keys to your new home. Congratulations, you’re a homeowner!
The Mortgage Do’s & Don’ts
Once you are pre-approved, your credit profile needs to stay exactly the same until closing day. Avoid these common mistakes.
The Do’s
The Don’ts
Low Down Payment Options
3% Down
Conventional 97
Perfect for first-time buyers with good credit (620+). Allows you to buy a home with just 3% down.
3.5% Down
FHA Loan
More flexible credit requirements (580+). A great option if you have a higher debt-to-income ratio.
0% Down
VA & USDA Loans
Eligible veterans or buyers in designated rural areas can purchase a home with absolutely no down payment.