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First-time Home Buyer

To get a pre-approval the first step is a mortgage application. The application can be done via our mobile app or over the phone/in person with a mortgage originator.  

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We would need a mortgage application along with some supporting documents, such as bank statements, paystubs, W-2’s or possibly tax returns

Mortgage points is an upfront fee that is charged to you to lower your interest rate on your mortgage. 

Interest rate is the rate that is charged to the principal balance. APR will also include any fees that are charged to you. 

Your home loan rate is determined by credit score, loan to value, property type, and mortgage type. 

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