FIRST TIME HOMEBUYERS IN CALIFORNIA
Shopping for your first home in Oxnard, Ventura, Santa Barbara, Los Angeles, or elsewhere in California?
Your home purchase process can be easy with the help of Financial Home Associates. For over 36 years, we have helped borrowers throughout the region to buy their first homes quickly and easily.
With a competitive home loan, you could soon be opening the door to your new home.
Do you know how much home you can afford?
Most people don’t... Find out in 10 minutes.
Buy Your First Home with an Ideal Mortgage
Every first time homebuyer has a different situation. With our wide array of lending products, you can find a mortgage that fits your scenario.
A conventional home loan is one without backing from a government agency. Conforming conventional loans fit within the Fannie Mae and Freddie Mac loan limits.
An FHA mortgage is backed by the Federal Housing Administration. This type of mortgage has flexible features that are ideal for borrowers shopping for their first homes. These include loose credit requirements, affordable rates and low down payments.
When conventional loans are too large to finance within the Fannie Mae and Freddie Mac loan limits, they are called non-conforming or “jumbo” loans.
Veterans, active duty service members, and eligible surviving spouses can apply for a mortgage backed by the Department of Veterans Affairs to purchase their first homes with no down payment. Affordable rates and no PMI are additional benefits of this type of home loan.
Does your W-2 not verify your entire income, or do you not have a W-2 form at all? Apply for a bank statement loan for an easy alternative means to document your income.
Self-employed borrowers can buy a home without a W-2 using the bank statement loan process described above.
Another option to purchase your first home is a mortgage backed by the US Department of Agriculture. These income-based loans feature zero down and easy qualifications.
If you are not sure what type of mortgage is right for you, we can guide you through your options during your consultation.
Why Choose Us as Your First Mortgage Company?
- You will be working with a company that has over three decades of experience helping first time homebuyers to move into their dream homes. There is no mortgage scenario we have not encountered, and we are ready to help you work through obstacles to close fast.
- Ask us as many questions as you want to during your consultation, and receive the comprehensive answers you need to make sense of the mortgage process. You also will have a chance to share your scenario and goals with us in-depth so we can understand and meet your needs.
- You will receive more attention from our small business than any big bank will offer you. Rapid communication throughout the mortgage process ensures a smooth, enjoyable experience.
- Embark on a lifelong relationship with Financial Home Associates. If you need anything in the future, we will be here to help you with your mortgage.
Buy Your First Home in Oxnard or Beyond
A flexible mortgage is waiting for you, along with the keys to your first home. To get started now, please give us a call today at (805) 402-5302 to schedule your mortgage consultation. Let’s get you into your dream home in California.
Do you know how much home you can afford?
Most people don’t... Find out in 10 minutes.
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