Who It Is For
This is for anyone buying a home for the first time, or buying again after a long break. You do not need to know the terms yet. That is our job.
- Renters ready to buy their first home
- Buyers who have not owned a home in several years
- Young families looking for a starter home in Cape Coral
- Buyers who need help with a down payment
- Anyone who wants the process explained in plain language
How It Works
There is no single first-time buyer loan. Instead, we look at your income, savings, and credit and match you to the right program, which may be FHA, conventional, VA, USDA, or a loan paired with down payment assistance.
We start with a free consultation. You tell us what you are hoping for, and we tell you honestly where you stand, even if it is not what you want to hear. If you are not ready yet, we will tell you what to work on.
When you call us, a person answers. Our processing is done in house, so the same team stays with you from the first question to the closing table.
What You Need to Qualify
- Steady income you can document
- A credit history the lender can review
- Some savings for closing costs, or help from family or an assistance program
- A clear idea of what you can comfortably afford each month
- Requirements vary by program, and we will tell you exactly where you stand
Documents You Will Likely Need
- Pay stubs for the most recent 30 days and year to date
- W-2 forms for the past two years
- Bank statements for the last 3 months
- Letter explaining any gaps in employment in the past two years
- Gift affidavit and proof of receipt, if family is helping
Common Questions
How much do I need to save to buy my first home?
It depends on the program, the price of the home, and your closing costs. Some programs allow a low or no down payment, and assistance may help with the rest. We will give you a clear number based on your situation.
Should I get pre-approved before I look at homes?
Yes. A pre-approval tells you what price range makes sense and shows sellers you are serious. It also gives us time to sort out any issues before you are under contract.
What if my credit is not great?
Call us anyway. Some programs are more forgiving than people expect. If you are not ready yet, we will tell you what to work on so you can buy when the time is right.
What happens after I sign a contract?
We collect your documents, order the appraisal, and work through underwriting with the lender. Because we process in house, you talk directly to the person handling your file. We keep you updated every step of the way.
General information only, not an offer to lend. Requirements vary by lender and program, and all loans are subject to credit approval, income verification, and property appraisal.