Buy Your New Home
With a fast application and closing process It’s your Advantage
Advantages of a Home Loan with 1st Advantage
Our fast, convenient application and quick closing process make getting in the door of your new home easy.
Award-Winning Mortgage Process
We’re seasoned pros in the industry, which means we know how to get you from pre-approval to picking up your keys.
Conventional, FHA, and VA Financing
We offer a variety of mortgage options which means you choose what works best for you.
Expert and Friendly Staff
Whether it’s guiding you through the application or discussing closing costs, we welcome the opportunity to connect with you.
Mortgage Options to Meet Your Needs
Purchasing or refinancing a home is a major decision and we want to be there for you, whether you’re buying your first home or making the next move, our award-winning mortgage professionals will help find the right mortgage option to best meet your financial goals. We will help you determine which of these mortgage options is the best fit for you:
Conventional Mortgages
A conventional mortgage is a home loan that is not backed by a government agency and typically offers competitive rates for borrowers with strong credit and stable income. These loans often require a higher credit score and may require private mortgage insurance (PMI) if the down payment is less than 20%.
Adjustable Rate Mortgages
An ARM features an interest rate that is fixed for an initial period and then adjusts periodically based on market conditions. This option can provide lower initial monthly payments, making it attractive for buyers who plan to move or refinance before the adjustment period begins.
First-Time Homebuyers
Designed specifically for first-time buyers, these programs often offer lower down payment requirements, flexible qualification guidelines, and potential assistance with closing costs. They can help make homeownership more accessible for those entering the market for the first time.
FHA Mortgages
Federal Housing Administration loans are government-backed mortgages that offer more flexible credit and down payment requirements than many conventional loans. They are a popular choice for first-time homebuyers and borrowers who may not qualify for traditional financing.
Veteran Affairs (VA) Mortgages
Available to eligible veterans, active-duty service members, and certain military spouses, VA loans are backed by the Department of Veterans Affairs. These loans often require no down payment and do not require private mortgage insurance, helping qualified borrowers maximize affordability.
Professional Mortgages
Professional mortgage programs are tailored for licensed professionals such as doctors, dentists, attorneys, and other high-income career fields. They may offer specialized benefits, including low down payment options and consideration of future earning potential when qualifying.
Federal Home Loan Banks Grant* (FHLB)
FHLB Grants are available to first-time homebuyers, community partners, veterans, and returning veterans.
- $12,500 is available for first-time homebuyers
- $15,000 is available for community partners (first responders, educators, health care workers, veterans, and active-duty military members or surviving spouses)
Bridge Loans
A bridge loan provides short-term financing to help homeowners purchase a new home before selling their current one. This temporary solution can help buyers access equity from their existing property and avoid timing challenges during the transition.
The Home Buying Process
Prequalify For Your Loan
Start Shopping
Choose Your Mortgage
Close The Sale & Move In
Learn more about first-time home buying or what to expect in the mortgage application process.
Estimate your monthly mortgage payment
Enter a total loan amount and planned down payment into this calculator to estimate your monthly mortgage payment.
Calculated payments shown are for estimation purposes only. Actual loan payment amount will be disclosed at loan closing and may differ slightly.
Request More Information About Mortgages
Our Award-Winning Mortgage Team
Our friendly mortgage professionals are here to help. Contact us to get started today.
Susan Ward
Let’s Get Started
Your homeownership journey begins here!
Our Members Love Us…
Melissa M.We can barely believe it’s ours—it feels surreal! Thank you so much, Susan. It’s been such a pleasure working with you. We’re beyond grateful for your kindness, attention to detail, and professionalism. We will absolutely be referring you to all our friends and family!
Home Buying Advice
Explore our blog for financial tips, practical advice, and how to achieve more financially.
8 Tips for First-Time Home Buyers
What to Look for in a VA loan
Getting Started Is Easy
We’ll help you find the right home, finance your loan, and answer any questions you may have.
Disclosures
*Income restrictions apply. Contact our mortgage team to see if you are eligible.