Thinking about buying your first home?

  • Your home isn’t just a place to live, it’s an investment in your future and one of the biggest decisions of your lifetime. That’s why it’s important to work with a trusted mortgage advisor who can educate and guide you through the lending process and answer your questions.

    Does it make sense to buy vs. rent?

    How much down payment do I need?

    What loan amount do I qualify for?

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    What type of loan is best for me?

    • 3% Down Conventional Loan


      With as little as 3% down required for loan amounts up to $417,000, this loan offers low mortgage insurance and allows for a gifted down payment. At least one borrower must be a first time home buyer, having not owned a property in three years.
    • 3.5% Down FHA Loan


      With a 3.5% down payment and loan amounts up to $625,500, this loan offers flexible credit requirements for those with FICO scores starting at 620. Down payment gifts may also be accepted.
    • 0% Down VA loans


      With no down payment required, no monthly mortgage insurance and loan amounts up to $625,000, this loan offers qualified military personnel the option to use their VA entitlement to purchase a home.
    • 80/10/10 Financing


      The 80/10/10 financing solution provides all of the benefits of a 20% down payment without the added cost. You provide half of the 20% down payment and the remaining half is financed by a second loan.
    • REX Homebuyer Program


      REX HomeBuyer provides a new source of down payment funding to creditworthy purchasers. FirstREX will typically provide up to half the 20% down payment on a loan minimum of $417,000 in exchange for a share of the profit or loss when you decide to sell.
    • Various Mortgage Insurance Payment Options


      For loan programs that require mortgage insurance, you may be able to choose from paying monthly, split the cost between one single payment and monthly payments, pay it all in a single payment, or finance it.

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