First-Time Homebuyer? We’re With You Every Step
The Mortgage Link offers specialized programs, down payment assistance, and guidance to help you buy your first home with confidence.
Start Your Homebuying Journey with Confidence
Buying your first home is exciting—but it can feel overwhelming. At The Mortgage Link, we’re here to simplify the mortgage process and guide you toward smart, informed decisions from day one.
Why Getting Pre-Approved Should Be Your First Step
A mortgage pre-approval shows you what you can afford, strengthens your offer, and helps you shop for homes with confidence. It’s one of the smartest first moves any first-time homebuyer can make—and we’re here to help you get started.
Step-by-Step Home Buying Guide
Build Your Team
Start strong by connecting with a local loan officer and a trusted realtor. Together, they'll guide you through the financial and home search process, making sure you're informed and supported every step of the way.
Apply for Pre-Approval
Work with your loan officer to complete a mortgage application using your income and credit info. A pre-approval shows sellers you’re serious—and helps you and your realtor shop with confidence.
Find & Secure a Home
Your realtor will help you tour homes, compare properties, and submit offers. As your lender, we’re here in the background, ready to lock in your rate when the time is right and guide you through next steps.
Loan Processing
Once your offer is accepted, our in-house processing team gets to work verifying documents, ordering the appraisal, and prepping your loan file. Behind the scenes, we’re keeping things moving efficiently toward underwriting.
Underwriting
Your loan file heads to underwriting for final review. We'll confirm that everything meets guidelines and let you know if any additional documents are needed.
Final Approval
Once your loan is “clear to close,” you’ll receive a Closing Disclosure to review. Your loan officer will coordinate closing details and share a pre-close checklist to help you prep for the big day.
Closing Day
You’ve made it! At settlement, you’ll sign your final documents and officially become a homeowner. Then it’s time to celebrate—and move in! We’ll always be here if you have questions post-close.
How much money do I need to buy a home?
You may not need 20%. Many first-time homebuyers qualify for loans with as little as 3% down—and down payment assistance may be available.
What documents will I need?
Common documents include pay stubs, tax returns, W-2s, and bank statements. Your loan officer will give you a full checklist.
How do I know which loan program is right for me?
Your loan officer will walk you through different options based on things like your income, credit, and future goals.
First-Time Buyer Questions, Answered
New to the process? You're not alone. Here are answers to common questions we hear from first-time homebuyers.
Find the Right Loan Program for Your First Home
We offer a variety of home loan options and down payment assistance programs to help first-time buyers get started—even if you don’t have 20% saved.
