Buying your first home? I'll walk you through every step. Straight talk. No Bull.
Buying your first home is exciting, intimidating, and full of acronyms nobody bothered to explain. That stops here. As an independent mortgage broker, I walk every first-time buyer through the whole process, what each step means, what the numbers actually look like, and what programs you might qualify for. No pressure and no question is too small.
Most of the stress doesn't come from buying a house; it comes from not knowing what's normal. Here's where I see first-time buyers get hung up:
Why is every online calculator different?
The short answer is no, and there are programs built around that.
The bar is often lower than people think.
The line item buyers really want to know and know it wont change.
The unknown is the scariest part
None of these are dealbreakers; they're just part of the conversation, so you feel comfortable when it's time to buy.
Conventional financing with down payment options as low as 3% for qualified first-time buyers. Often the most flexible long-term loan.
Government-backed loans with lower down payment and more flexible credit requirements. A common path for first-time buyers building their financial picture.
For eligible veterans, active-duty service members, and qualifying spouses, often with no down payment required and no monthly mortgage insurance.
For qualifying homes in eligible rural and small-town Tennessee areas. No down payment required for borrowers who meet the program guidelines.
Can help cover down payment and closing costs for qualifying first-time buyers in the state. I'll let you know if you qualify.
Bring your questions. We'll walk through your current situation and come up with a game plan. No commitment, no pressure; you'll leave this meeting knowing your next steps.
I review your credit, income, and assets so you know exactly what you can afford and what programs you qualify for.
You and your agent go house hunting, knowing your real budget and what a strong offer looks like in your market
Once you have an accepted offer, I lock your rate and shop the lenders for the best fit.
Weekly updates and milestone notifications the whole way through until you get the keys.
Dennis Tulpa | NMLS #1146435 | Licensed in Tennessee Broadway Mortgage Group, a DBA of The Turnkey Foundation, Inc., also DBA Arbor Financial Group | NMLS #236669 Equal Housing Lender Verify our licensing at the NMLS Consumer Access site: www.nmlsconsumeraccess.org This is not a commitment to lend. All loans are subject to credit approval, property appraisal, and other underwriting requirements. Rates and terms are subject to change without notice. Not all applicants will qualify.
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