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First-Time Homebuyer

The Home Loan Process, Simplified

When you are ready to become a first-time home buyer, we are here to help you through the entire process. You want clear instructions, easy steps to follow, and no surprises. We want to educate you about the mortgage process, and guide you through to a quick, hassle-free close.

Let us simplify the mortgage process for you. Together, we will explore your home loan options, and the steps you need to be pre-approved. We will educate you on the process and available options for first-time home buyers. When you are ready, we will be sure that you are pre-approved so you can be ready to make the strongest offer when you find your perfect home.

Down Payment Assistance

Different state and local government-funded down payment assistance programs (DAPs) offer funds to cover certain down payment or closing costs associated with a loan. These typically have a maximum income or home sales price limits to qualify.

With Assistance

Cash Needed From You To Close

$420


Assumptions

  • Purchase Price - $350,000
  • 3% down payment
  • Closing costs = 4.5% of your purchase price
  • CALHFA down payment assistance is being used (income limits apply)

Costs

  • Required Down Payment - $10,500
  • Closing Costs - $15,750

Assistance

  • Total Assistance Provided - $25,830

Without Assistance

Cash Needed From You To Close

$21,000


Assumptions

  • Purchase Price - $350,000
  • 3% down payment
  • Closing costs = 3% of your purchase price
  • Funds to close are coming from you

Costs

  • Required Down Payment - $10,500
  • Closing Costs - $10,500

Assistance

  • No down payment assistance being used
  • "Jeremy helped me and my husband refinance our home. I strongly recommend him with any and all of your finance inquiries. My husband and I had a great experience refinancing our home."
    Carmen G., Home Owner
  • "Jeremy was really great to work with! He was very responsive to all of my requests and made the entire loan process very easy to understand. I highly recommend Jeremy to anyone looking to buy or refinance."
    Melanie J., Homeowner
  • "Jeremy at American Pacific Mortgage went above and beyond to help my wife and I navigate the mortgage process when buying our new home. Your service was invaluable and we hope to work with you again if we ever purchase another home."
    Cacilie W., Home Owner

Call Now to Get Started

Call 855-440-LOAN

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