Think you can’t afford a down payment? Or that your credit score is keeping you from buying your first home? Get pre-approved, or
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An easy place to start is with our first-time homebuyer guide, it lays out in simple terms the journey from house hunting to homeowning.
Download NowYou might be more ready to buy a home than you think. See the factors that shape your homebuying power and ways we can help put you in the best position to win.
When you find the right real estate agent, you’ll find the right home. And after that, we make sure to get you there.
Get familiar with the application process, including what to do and what not to do, for a smooth experience.
From closing day to moving day, get tips and guidance for taking homeownership by the reigns.
Your monthly rent payments add up over the years, helping your landlord. But what about you? Rent prices can rise and be unpredictable, but with options like a fixed-rate mortgage, you’ll know your payments over the life of the loan. And you’ll build equity, so you can access those funds in the future (it’s your money!) to make home improvements, pay for college, buy a new car, and more. Plus, owning your home means you can do things your way, not your landlord’s way.
Mortgage rates will always rise and fall, but you don’t have to take them at face value. There are several ways to offset rates, from paying lower rates upfront, refinancing later, or using buydowns to keep costs down
Not all debt is bad. What matters more to lenders is your debt-to-income ratio. A debt-to-income ratio of 43% or less is preferable, while some programs will allow you to go as high as 50%. This means that you can have some debt and still be eligible to buy a home.
You don’t need a perfect credit score, but you do need to show a history of responsible borrowing to your lender. There are several things you can do that will raise your rating, including: pay your bills on time, reduce your credit balances, don’t apply for credit often, and establish a credit history.
You can buy a house with little or no cash, turning years from now into today. We offer a variety of low – and no – down payment loans and a wide range of down payment assistance programs (DPA) for conventional and FHA loans.
