Getting Ready to Buy Your First Home? Here's What To Do First

There are so many parts to buying a home, and when you're a first time home buyer, it can get overwhelming pretty fast. The good news is that you're not alone! When you apply for your first mortgage with us, you'll have a team of professionals helping you every step of the way.

Here's a checklist of 5 things to do first. You don't have to follow the order of the list precisely. In fact, you will probably check off several at the same time when you apply for a home loan with CityWorth - making your first home purchase even easier!

See how fast getting a home loan can be by applying online or calling today, and read on to see what else is on your Home Buying To-Do List.

1. Review Your Credit

Most people believe they have to have perfect credit to buy a home, but that's not true! At CityWorth Mortgage we help individuals with less than perfect credit finance their dream homes and improve their credit scores. You can get a home with a credit score as low as 560 for VA and 580 for FHA! Call us today to go over your score with your expert mortgage banker and determine the best loan program for you.

2. Gather Your Documents

Here’s some of the info you’ll want to have ready when you apply for your first home loan:

  • Paycheck stubs
  • W-2’s or for the past two years
  • Tax returns for the past two years

Your mortgage banker will remind you of these documents and any additional ones you may need during the process, but having them prepared in advance can help make the process faster and easier.

3. Get Pre-Approved for a Mortgage

Pre-approval puts you in the best position when you’re house hunting. A pre-approval letter means that you have a lender that is ready to support your offer on a home - and, in many cases, it’s as valuable as a cash offer!

Starting the process is easy and can be done entirely online!

Simply apply online now, and you’ll be taken to our secure and quick online form. Or you can call us today to speak with your personal mortgage banker about getting pre-approved.

4. Meet Your Perfect Realtor

Buying your dream home is so much more than getting the right loan - you also need the right team that will help you get the best house for your needs and your budget. That's where CityWorth Properties can help! When you work with CityWorth Mortgage and CityWorth Properties, you have one dedicated team working together to serve you as best as possible. 

5. Start Home Shopping

This is the fun part - looking for your dream home! Get in touch with your CityWorth Properties Realtor and your mortgage banker about the area, size, and monthly payments you are looking for, and together they will find your perfect home.

* Specific loan program availability and requirements may vary. Please get in touch with the mortgage advisor for more information.