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Have Questions? Call or Text Ruth now at Home 1st Lending LLC and Get the Answers you need to make the Right Decision (772) 321-7377
Our Zillow rating is 4.97%
With over 1105 Ratings!
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.
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.
10 Day Fundings
Use this calculator to see monthly payments for different loan amounts.
* Please note: this calculator is for illustration payments and actual payments may vary.
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!
We know the area and the market and we're part of your community, not a bot on the net :)
We work to close your loan as quickly as possible. We can even hit curveballs!
We offer a hybrid approach of new technology to speed closing and old fashioned customer service and communication.
We have the latest online tech like secure mobile uploading and we're available to use the device the old-fashioned way too!
At Home 1st Lending LLC, you will work with a licensed loan originator who has over 20 years experience originating and closing FHA, VA, Conventional, Jumbo and non conforming loans. You don't speak to an order taker who takes down your information and then passes you on to their supervisor. We treat each customer as an individual, not a number and we know what is necessary to get the loan approval you need.
We have answers to your questions and will take the time to fully explain each loan that you qualify for to help you make the best decision for you and your family. We represent a wide range of "A" rated lenders, each with their own criteria for the loans they will accept and close. We will have loan options for you with competitive rates and costs.
Whether your situation calls for Full Documents, No Documents, Non-Owner Occupied (Investor) or Multi-Family, we'll fit your needs!
Phone: (772) 321-7377
Address: 11627 Periwinkle Dr Naples ,FL 34120
Monday-Friday: 9am to 6pm Saturday: 10am to 2pm Sunday: Closed
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.
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.
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.
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.