Qualifying for a home loan as a first-time buyer is achievable and straightforward. Factors we typically consider are your credit score, employment history, income stability, and the amount of debt you carry.

Here’s how

For a home loan pre-approval, you'll typically need to follow these steps:

1. First, review your credit report and ensure it's accurate.

2. Next, gather your financial documents, including pay stubs, bank statements, and tax returns.

3. Explore the types of home loan we offer to find the one that best suits your requirements.

4. Lastly, complete our easy to apply online application process, ensuring you provide all necessary documentation promptly.

5. Ta-da! There you go. Lounge and sip on your drink while we get your application reviewed.

Get pre-approved now

It's pretty simple! We provide you with the funds you need to make those fantastic home upgrades. You'll repay the loan we fund you on your terms that suits your situation the best.

These funds are your ticket to transforming your home, whether it's a kitchen makeover or fixing up that leaky roof. Keep in mind, the interest rates and terms can vary depending on factors like your credit score and the loan amount.

And our home improvement loans can be tailored to your needs, whether or not they're tied to your home's value. So, it's all about finding the perfect fit for your home improvement dreams!

Explore your options

Your ideal home is calling - assess your loan compatibility

• A good credit score, typically 620 or higher demonstrates your ability to manage debt responsibly.


• Stable source of income to ensure you can make mortgage payments.


• Down payment, usually 3-20% of the home's purchase price to reduce the loan amount.


• A DTI of 43% or lower, indicating that your debt payments don't exceed 43% of your income.


• Steady employment history, often with two years of consistent work.


• The property must meet appraisal requirements to ensure it's worth the loan amount.


• Proof of legal residency or citizenship in the USA.


• Providing accurate and complete documentation of your financial situation, including income, assets, and debts.


• Meeting specific requirements for the chosen home loan type - FHA, VA, USDA, conventional.

Ensure you have these documents ready.

1. Proof of Income

   • Pay stubs (typically covering the last 30 days)

   • W-2 forms for the past two years

   • Tax returns for the past two years (if self-employed)

   • Proof of any additional income sources (e.g., rental income, alimony, investments)

2. Employment Verification

   • Verification of employment letter

   • Contact information for your employer

3. Bank Statements

   • Bank statements for the past two to three months for all accounts

   • Statements for any other assets (e.g., investment accounts, retirement accounts)

4. Credit Report

   • Make sure to review your credit report for accuracy beforehand.

5. Identification

   • Government-issued photo ID (e.g., driver's license, passport)