Loan Program
First-Time Home Buyer Loans
A first purchase is a sequence of decisions, each one easier when somebody explains it beforehand.
Overview
What this program is for.
The starting point is a genuine pre-approval: what you can borrow, what the payment actually looks like once taxes and insurance are in it, and what you should keep in reserve after closing.
Lisamarie has been a licensed Mortgage Loan Originator since 2017 and works first-time buyer files personally, from the first conversation through to the closing table. Low down payment, FHA and zero down options are compared side by side against conventional financing so you can see the real difference.
Highlights
First-Time Buyers at a glance.
Low and zero down options
FHA, VA and USDA compared against conventional financing on your actual numbers.
A credible pre-approval
Sellers take your offer seriously, and you know your range before you start shopping.
Plain language
You work directly with Lisamarie, not a call center queue.
Payment modeled first
See the full monthly payment in the calculator before you commit to anything.
How It Runs
The same four steps, every file.
01. Pre-Approval
A real pre-approval tells you your range, makes your offer credible to a listing agent, and sets the file up to move fast.
02. Loan Application
A defined document list, given to you once and up front, not drip fed as a series of surprise requests.
03. Underwriting
Your file is reviewed and conditions are cleared as they come in. You are told where it stands rather than left guessing.
04. Closing
Documents are drawn and sent to the title company, and you sign. Closing on time is the commitment.
Also Consider
Related programs.
Conventional Loans
The standard on most Texas purchases, and often the cheapest once you have equity or strong credit.
Learn more →FHA Loans
Lower down payment and more forgiving credit guidelines, backed by the federal government.
Learn more →VA Loans
The strongest benefit in the market for eligible veterans, service members and surviving spouses.
Learn more →
