Buying or building a home is one of the most exciting and single largest investments any person or couple can make. And having the right mortgage can play an integral part in reaching your personal financial goals.

Esty Realty has partnered and will partner our mortgage banking officers in your local community as we guide you through the process of obtaining your First Time Homebuyer's loan.  Our loan officers and Member Realtors are trained experts who can walk you through every step of the home financing process, examining your situation and finding the best loan program for your particular needs. And with 100s of loan products available, you’re sure to get exactly what you need. Many mortgage programs include fixed-rate, adjustable-rate and interest-only loans, construction-to-permanent financing, condominium financing, and more. Our Member Loan Officers even have special financing programs for professionals (attorneys, physicians and CPAs), low- to no-documentation options for borrowers who may be self employed, and a lender-paid mortgage insurance program that may save you money on your monthly mortgage payment.

If you’re a first-time home buyer, home financing may be rather intimidating. Relax—we’ll put you in the driver's seat and make sure you have a clear understanding of how much house you can afford, what upfront fees to anticipate, what documentation you’ll need at application (W-2s, bank statements, pay stubs, etc.), and what you can expect at closing. Even if you’re an experienced borrower, we’ll keep you informed of the status of your loan along the way and make sure your home financing experience is a positive one.

Some Loan Officers, when you close your mortgage with them, will waive your appraisal fee (up to $350), right at closing!

So what are you waiting for? For more information or to apply, call us today at 1-888-231-9441. Whether you’re buying your first—or twenty-first—home, we’ll make sure you get the mortgage you want and the service you deserve.

So, how do you get started?

1. Sign-up for our counseling services and attend a First-Time Homebuyer Workshop.

2. Apply and Become Pre-Approved for a First Mortgage

3. Find a Home - Locate a house, condo or townhome

4. Sign a Contract - Enter into a written contract with the seller to purchase the property.

5. Finalize your Mortgage - Your assigned  lender will finalize your mortgage and FHP loan and submit an application for approval.  Your eligibility will be verified and that of the home to be purchased.  Then your FHP loan will be approved.

6. Sign the Loan Papers - Following application approval, you will sign the FHP loan documents and the first mortgage loan documents before the close of escrow.

7. Enjoy Your New Home! - Your FHP loan will be funded and a deposit of your down payment and/or closing assistance funds will be made to an escrow account for your mortgage. When escrow closes, you will be able to immediately move into your new home!