Find The Best Rate
Today's market is changing quickly and so are mortgage programs and requirements. We work with over 40 wholesale investors and will find you the best rate and program to fit your needs. We say YES! when other lenders say NO!
Pre-Qual Letter
If you're in the market for a new home you'll need a Pre-Qualification letter. Fill out our quick Pre-Qual form and we will generate a pre-qualification letter and can even send it directly to your Realtor.
25 Day Digital Closing
Our goal is to close your loan in 25 days or less! With our digital tools we speed up the loan process. Our teams have 20+ years of Mortgage experience and provide clear communication so you close on time.
The Home 1st Lending LLC Advantage
Local Knowledge
We know the area and the market and we're part of your community, not a bot on the net :)
Fast Processing
We work to close your loan as quickly as possible. We can even hit curveballs!
Best Service
We offer a hybrid approach of new technology to speed closing and old fashioned customer service and communication.
Utilizing Technology
We have the latest online tech like secure mobile uploading and we're available to use the device the old-fashioned way too!
Our Satisfied Clients
Our Zillow rating is 4.97%
With over 1105 Ratings!
Latest Blog Posts
Building Your Credit
If you are getting ready to buy a house in the next few years, taking time to build your credit is a great way to get the best rates and keep your costs down. Here are a few steps that you can take today to get your credit in the best shape possible.
Three Tips for Building Your Credit
Make Payments On Time
It seems like a simple step but it is one of the most critical to building and maintaining good credit. If you make your payments on time, your lender knows that they are likely to get their monthly mortgage payments on time as well. If you struggle to remember to make your payments, you can always set up an autopay or auto draft with your bank. This makes it easy to keep those payments going where they need to go when they need to go there.
Reduce Debts
One of the most important things that you need to consider is your debt-to-income ratio, DTI. Lenders look at this ratio to see how much money you need to pay out monthly to cover your debts compared to how much money you have coming in as income. Debt from credit cards, car loans, student loans, medical debt, and other sources can take up a big portion of your budget. Try to make extra payments whenever possible to get these debts out of your life.
Getting Credit
One of the biggest problems that younger home buyers have is that they don’t have a long credit history. While there is no substitute for time, keeping lines of credit open (even if you don’t use them) can show that you have a long history with a certain bank or financial institution. Just be wary of opening new lines of credit that you don’t need. Not only does this make things more complicated, it can also be tempting to spend money and build up debt.