Let's learn!

Are you ready to buy a home? Here are 10 quick facts that can help you find out. 1. Most homebuyers only put 3-5% down on their purchase. That's right, many home loans only require small down payments, and some even don't require a down payment at all. 2. The average credit score of a mortgage applicant is 680. There are many types of mortgage products out there for people of many walks of life. 3. Many borrowers use gifts as a source of down payment. Almost every loan program we offer will allow a gift from an individual that is related to the borrower to help cover down payment costs. 4. Many millennials are ready to buy their first homes. Many millennials, including recent college graduates, are ready to purchase their first homes. New job? You can still apply for a mortgage. Most mortgage programs look at your work history for the last 24 months, But that doesn't mean you have to be with the same employer for 2 years. 6. Recently returned to the workforce. You can still apply for a mortgage. A gap in employment doesn't automatically disqualify you from getting a mortgage. 7. Retired. You can still apply for a mortgage. If you are retired, we will verify your income just like anyone else. Many mortgage programs accept a wide range of income sources. Veterans can reuse V eligibility for multiple mortgages. Mortgage entitlement to buy your first house? Don't worry, many veterans use their benefit multiple times. A real estate agent can be a valuable asset in the home buying process. Real estate agents are trained and licensed in the home buying and selling process from start to finish. We're here to help you navigate the process. We know the home loan process. We do everything in our power to make your home purchase as smooth as possible.