We're Here to Guide You On Your Path to Buying Your First Home.


Are you ready to embark on the exciting journey of buying a new home?

We're here to make the process smooth, swift, and downright refreshing. Starting the application is as simple as telling us a little about yourself and your home buying goals. From there, our expert team will guide you every step of the way, ensuring a seamless experience.

What sets us apart is our commitment to providing a refreshing approach to the home buying process. We understand that purchasing a home can be overwhelming, but with us, it's a breeze.

Our user-friendly online platform allows you to get started from any device, whether it's your trusty laptop or the convenience of your smartphone. No matter where you are, we're right there with you, ready to assist.

Working with us means you'll benefit from our extensive expertise and personalized support. We take the time to listen to your needs, answer your questions, and provide tailored solutions. Our goal is to make your home buying experience as cheerful and stress-free as possible.

So, why wait any longer? Don't let your dream home remain a distant vision.

Start the application today, and let us show you just how refreshing and rewarding it can be to work with our dedicated team. Your dream home awaits, and we're here to make it a reality.

Interest Rates Have Increased

Borrowers May Not Qualify

Due to DTI Calculation

Time To Consider

NO RATIO PROGRAM

No DTI calculation

No Income on Application

No Employment on Application

No Tax Returns

No W2s

No 1099

Only Required to Have

as low as 20% Down Payment

80% LTV = 720+ FICO - 12 Months Reserves

75% LTV = 680-719 FICO - 9 Months Reserves

65% LTV = 660-679 FICO - 9 Months Reserves

Funds for Down Payment

Closing Costs

Prepaid’s

Reserves

Primary Residence

Second Home

Purchase

Refinance

Minimum Loan $200,000



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First Time Home Buyers Guide

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