Couple sharing coffee among moving boxes in their first kitchen

Who We Serve

Mortgages for First-Time HomebuyersYour first home, guided step by step.

Your first home should feel exciting, not overwhelming. A senior mortgage banker walks you from pre-approval to keys, with programs from 0% down.

Senior-mortgage-banker review. No SSN or hard credit pull to start.

4.9 from 44 reviews

NMLS ID 2653540

Min credit score

580+

Down payment

0%

Max DTI

50%

Loan programs for first-time homebuyers

Matched to this profile. Ideal fits first.

Craftsman cottage with a lit front porch at golden hour

Conventional Loans

Flexible conventional financing options with down payments as low as 3% for first-time buyers and competitive terms for experienced homeowners.

Modest bungalow with a columned front porch at sunset

Government Loans

Government-backed financing with low down payments and flexible credit requirements, including FHA, VA, and USDA loan programs.

Do you qualify?

Typical thresholds for this profile. Concrete numbers, not vague promises. If you land outside them, a senior mortgage banker can usually find another path.

580+

credit score

As low as 580, and lower with potential exceptions.

0%

minimum down

As low as 0% down. Program minimums vary.

50%

max DTI

Up to 50%. Program minimums vary.

Flexible documentation

Qualify with tax returns. We match the documentation path to your situation.

Property types

Programs available for primary homes.

Outside these numbers? A senior mortgage banker can usually find another path.

If your income is below the area median

For qualified borrowers making below the AMI we offer special financing perks, down payment assistance, or grants you can access if your household income falls below a certain percentage of your region's AMI. Fannie Mae publishes its HomeReady income limits here: Fannie Mae HomeReady income limits.

No FICO score? There is still a path.

We also have a true no-fico credit mortgage option. If you do not have a traditional FICO score, we must verify your creditworthiness using Non-Traditional Credit References covering the most recent consecutive 12-month period. We need to establish alternative credit lines. Common acceptable sources include:

  • Rental/Housing History. This is the most critical reference.
  • Utilities. Gas, electricity, water, trash.
  • Telecom services. Cell phone bills, internet, cable.
  • Insurance premiums. Medical, auto, or life insurance not deducted from a paycheck.
  • School tuition or localized recurring payment structures.

Other requirements may apply.

Our Private Client Process

Our process assigns a dedicated licensed mortgage advisor throughout your home financing journey.

Dedicated Advisor

A licensed mortgage advisor is assigned to guide you through your entire home financing journey.

Specialist Support

Your advisor assigns dedicated specialists to assist with specific needs throughout the process.

Technology & Expertise

We utilize leading technology and best practices coupled with personalized attention.

Senior management is also available should a situation arise needing their expertise or escalation.

Not sure where you fit?

Talk it through with a senior mortgage banker. Hundreds of programs, loans to $20 million, and closings in as few as 14 days.