I speak to many first-time home buyers, as well as repeat home buyers, that will often say to me, “not yet, let me work on a few things first,” when I encourage them to get pre-qualified for a mortgage.
The truth is, I am the one you want involved as soon as possible to go over your income, cash, and credit. I know what is needed, how to fix issues, and where your effort needs to be to qualify for a first-time homeowners loan. Many times, you will be pleasantly surprised by the options you have. Trying to guess or assume that your credit or financial situation has to be at a certain level before taking the next step can prevent you from taking advantage of finding a home now. Don’t worry, when I run your credit report, it does not hurt your score. That is a misnomer that does not pertain to mortgage credit pulls.
As a mortgage company, I can check your real scores, without impact. That is important because free scores are out there, but they are not the ones used by the lending industry to qualify you for various down payment assistance programs. Take the first step, and contact me today. Getting pre-qualified is a great way to get plenty of good free information and one step closer to owning your first home.
Testimonials
Patient & Helpful
Tammi was very patient and very helpful throughout the entire application process. Being a first-time home buyer I didn't know a lot of this which made me frustrated but I was able to get approved and now I am a homeowner thanks to Tammi!
— James C.
No Pressure or Stress!
Tammi Lewis made my home buying experience very easy. I felt no stress or pressure. Tammi was with me every step and made sure I understood everything with detailed talks. My credit score was low and Tammi advised me how to raise it. So that the Loan process would be approved with no problems. Any one know that wants to buy their first home I am recommending Tammi Lewis and First Home Mortgage.
— Charlie F.
Professional & Timely
Rob made sure my experience as a first time home buyer was smooth and painless. Very professional and got things done in a timely manner. Could not have asked for more!
— Samantha J.
Great Experience for a New Homeowner
Rob was at all times, willing to go over the numerous pages of information with me. I am a new homeowner and had many as this was my first time navigating the home-buying waters. He explained things to me in a way that I understood and got me all of my documents in a timely and efficient manner. I enjoyed working with him and would refer him to anyone who is looking.
— Erica F.