HOMEBUYER
First-Time Homebuyer Class
What to expect from pre-approval to closing, what lenders look at, and how to get ready. Bring your questions.
[Date / time / location TBD]
Resources
Tools to help you plan.
Run the numbers, save a seat at a class, and get straight answers to common questions.
Payment calculator
Estimate a monthly payment.
An illustration to help you plan. Estimates only, not a quote or commitment.
Estimated monthly payment
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Enter a home price, down payment, and rate to see an estimate.
Estimates only, not a quote or commitment. This illustration does not include mortgage insurance, HOA dues, or other costs, and it is not an offer of credit or a rate quote. Your actual rate, payment, and terms depend on your credit, the property, the loan program, and full underwriting.
Classes & events
Learn it before you sign it.
Classes for people getting ready to buy, plus partner events for local real estate agents.
PLACEHOLDER EVENTS. Example events to show the layout. No real dates have been scheduled. Replace with real events, dates, and locations.
HOMEBUYER
Down Payment & Assistance Basics
How down payments work, which assistance programs may be available, and how to build a savings plan.
[Date / time / location TBD]
REALTOR PARTNER
Realtor Lunch & Learn
A small-group session on loan programs that can help buyers write stronger offers.
[Date / time / location TBD]
REALTOR PARTNER
Non-QM & Bridge Loan Breakdown
Self-employed and move-up buyers may have more options than they think. Learn how to spot them early.
[Date / time / location TBD]
RSVP
Save your seat.
Pick an event and tell us a bit about yourself. You'll get a confirmation email right after you RSVP.
Questions? Call or text 208.661.6739.
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FAQ
Common questions.
What's the difference between pre-qualified and pre-approved?
A pre-qualification is a quick estimate based on what you tell us. A pre-approval goes further. We review your credit, income, and assets, so you can shop with a clear price range. Neither one is a final loan approval.
How much do I need for a down payment?
It depends on the loan program, the property, and your situation. Some programs allow smaller down payments than people expect, and assistance programs may be available. Let's look at your options together.
What documents should I have ready?
Usually recent pay stubs, W-2s or tax returns, bank statements, and a photo ID. Self-employed borrowers may need business or bank statements instead. Matt will send a checklist for your exact situation.
Does checking my options hurt my credit?
Just talking with Matt doesn't. A pre-approval usually includes a credit check, and Matt will explain how it works before he pulls your credit.
I'm self-employed. Can I still qualify?
Often, yes. Along with conventional options, Non-QM programs can use bank statements or assets to qualify. Eligibility and terms vary.
How long does it take to close?
Timelines depend on the loan type, the appraisal, and how quickly documents come in. Matt will give you a realistic timeline for your file up front.