Few experiences can compete with shopping for your first home. It is a time of new beginnings. During the home-buying process, you imagine the ideal shape for your future, and you chart a course to make it happen.
It can be hard to figure out how to get from the dream to the reality on your own though. What type of mortgage do you need? Should you go with a fixed mortgage rate or an ARM? Is there any way to reduce your down payment? Will you need PMI?
The Best Home Loans can help you answer all of these questions. We operate in all 50 states, but offer a “small lender” experience.
That means that we are here to hold your hand for every step of purchasing your first home. We love what we do, and hope that this process will be as enjoyable for you as it is for us, and that we will become your lender for life.
We offer all of the following nationwide first time home buyer loan programs:
This is one of the most popular programs available to first-time homebuyers in all 50 states. FHA loans are insured by the Federal Housing Administration (FHA). Even borrowers without perfect credit scores can qualify for competitive interest rates and down payments as low as 3.5%.
The USDA loan program is insured by the US Department of Agriculture (USDA). Aimed at low- and middle-income borrowers, it is an excellent opportunity for first-time homebuyers to qualify for zero down and other competitive loan features.
Depending on your location, we also may be able to help you look into state and local programs for first time homebuyers.
Answering your questions about the home-buying process is something we enjoy. Even though this is your first time shopping for home, you should be able to feel confident that you are choosing the most ideal mortgage. Delivering first class customer service is as important to us as finding you the most affordable rates.
There is no difficult loan scenario we cannot overcome. We have helped homebuyers with situations involving low credit scores and high DTI ratios, as well as past bankruptcies, foreclosures, and tax liens. We will not turn you away like a big bank. We will work with you until we have matched you with an affordable home loan.
We are your Lender for Life. Through this guarantee program, we offer to refinance your mortgage for free in the future if rates decrease or if you qualify for better terms.
You are closer than you think to making your dreams of homeownership a reality. Whether you are in California, Texas, Florida, New York, or any of the 50 states, The Best Home Loans can’t wait to match you with your first home loan. Please call us today at (800) 293-2133 to schedule your first-time homebuyer consultation.
The Best Home Loans is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age, because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. Disclaimer: Programs subject to change without notice. All borrowers must qualify per program guidelines.