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GUIDE
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8 min read
The First-Time Homebuyer's Guide to Mortgages
Our handbook for securing a place to call your own
Introduction
11 Things to Consider Before Getting a Mortgage
Get everything in order before leaping into the big decision
Step 1: Find out if You Qualify for a Mortgage
Do you meet the minimum requirements of the loan you’re applying for?
Step 2: Get Pre-Qualified and Pre-Approved for a Loan
A handy process to determine your capacity to borrow
Step 3: Check Your
Credit Score
Time to keep tabs on that all-important score
Step 4: Select a Mortgage Program That’s Right for You
Hunt for a plan that closely aligns with your financial goals
Step 5: Find a Lender
Take your time to shop around for a lender that’s right for you
Step 6: Find Help for Your Down Payment
Make the most of being a first-time homebuyer by applying for down payment assistance programs
Step 7: Select the Right Mortgage Insurance for You
Remember, this type of insurance protects the lender — not your home
Step 8: Find out if You Need a Second Mortgage
It may sound tempting, but make sure you’re aware of the risks involved
FAQs
