Contact Us

A: The monthly mortgage payments are often significantly less than the rent for the same house.  The lower monthly expense can reduce the financial stress that you are currently experiencing.

A: Homeownership offers numerous benefits, including building equity, stability, and the opportunity to customize your living space. Additionally, homeownership can lead to financial security, as monthly mortgage payments contribute to long-term wealth accumulation.

A: You need to consider your long-term goals and stability in your current location. We will refer you to HUD-certified financial counselors who will help you assess your financial situation, including your income, savings, and credit score. 

A: Lenders consider various factors, including credit score, income, employment history, and debt-to-income ratio.

A: You need a credit score of 580 or higher to qualify for a mortgage with lenders we work with.  If you need help reaching this goal, we can refer you to a certified financial counselor who will work with you for free.

A: Yes, there are various assistance programs available for first-time homebuyers, including down payment assistance programs, grants, and government-backed loan programs with low down payment requirements.  Prospective homebuyers in our program will be referred to lenders who will identify assistance programs based on your eligibility and appropriate for your needs.  Many of these assistance programs require you to take pre-purchase Homebuyer classes.

A: Mortgage pre-approval is a preliminary assessment by a lender to determine how much you can borrow and at what interest rate. It also helps you understand your budget and streamline the homebuying process.