MOVING FORWARD
AFTER THE FIRE
If you’ve been affected by a natural disaster within the past year and reside in a Presidentially-Declared Major Disaster Area (PDMDA), the Federal Housing Administration (FHA) offers mortgage insurance programs to help you rebuild or relocate to a new home. Homeowners and renters are welcome to apply.
A STEP TOWARDS HOMEOWNERSHIP
TAKE THE FIRST STEP. WE'LL DO THE REST.
Want to buy a home but not sure where to start?
Get started with our quick and easy pre-qualification inquiry. No credit check required.
Taking the first step toward homeownership can feel overwhelming—but it doesn’t have to be. Our simple pre-qualification form helps you understand what you might qualify for without impacting your credit score.
Whether you’re just browsing or ready to get serious, this is the easiest way to start smart.
Fill out the quick form and let’s see what’s possible.
HOMEOWNERSHIP JOURNEY
PATH TO HOMEOWNERSHIP
I'm Ready!
Starting the journey to homeownership might feel like a big leap, but it’s also an exciting step toward building your future. Think of it as creating a place that’s truly yours—where you can grow, make memories, and have a sense of stability. The process may seem a little overwhelming at first, but with the right guidance and a clear plan, you’ll find it’s not as complicated as it seems. We will help you take it one step at a time, and before you know it, you’ll be holding the keys to your very own home.
I'm Trying!
Whatever the reason, if you’ve been denied before, don’t let that stop you from trying again. With over 270 lenders at our fingertips, it may just be a matter of finding the right lender with the right loan product for your situation. We’re here to help guide you through the process with a fresh perspective and the support you need to succeed. Every situation is different, and with the right team by your side, you might find that the dream of homeownership is closer than you think.
I'm Aiming!
Don’t let another year pass you by, let’s work together to get you closer to finally owning your dream home. Making small changes now can help you reap great rewards in the future, even if your present circumstances are less than ideal. Stay in touch with us to receive free resources, tips, and encouraging support every month to help you make good decisions and keep you on track towards your dream of homeownership.
OUR FUNDAMENTAL BELIEF
"Helping one person might not change the whole world, but it could change the world for one person."
~ Helen Barry
FEATURED PRODUCTS
USDA Loan
Features:
- No down payment
- Low-interest rates
- For homes in rural or semi-rural areas
Good Fit:
- You have low-to-moderate income
- You are looking to buy in a rural or semi-rural area
FHA Loan
Features:
- Government-backed
- Low down payment (3.5%)
- More lenient credit requirements
Good Fit:
- You are a first-time homebuyer with credit scores of 580 or higher (or 500 with 10% down)
- You have limited savings for a down payment
HELOC
Features:
- Borrow as needed, up to your approved credit limit
- Use funds for home improvements, paying off high-interest debt, education, or other needs
Good Fit:
- You have significant equity in your home
- You prefer access to funds over time instead of a lump sum
BLOG POSTS
TOPICS OF INTEREST
Is Now the Right Time to Refinance? Here’s How to Know
With interest rates constantly shifting and headlines buzzing about the housing market, you might be wondering: “Is now the right time to refinance my mortgage?” The truth is, there’s no one-size-fits-all answer—but there is a right time for you, and this guide will help you find it.
Can I Buy a House If I Have Student Loans?
If you’re carrying student loan debt and dreaming of buying a home, you’re not alone—and you’re definitely not out of luck. Many first-time homebuyers assume that having student loans automatically disqualifies them from getting a mortgage. That’s not true. In fact, nearly 40% of first-time buyers have student loan debt, according to the National Association of Realtors. Let’s break down what lenders look at, how your student loans factor in, and what steps you can take to move closer to homeownership.
How to Financially Prepare for Buying a Home in the Next 12 Months
Thinking about buying a home within the next year? That’s exciting — and smart planning now can make a huge difference later. The truth is, buying a home isn’t just about finding the right property; it’s about making sure your finances are strong enough to support one of the biggest purchases of your life. Whether you’re a first-time buyer or looking to upgrade, here’s a step-by-step guide to help you financially prepare to buy a home over the next 12 months.