Steps to Successful Home Buying
- Call a First Financial Services Loan Consultant for a FREE pre-qualification interview to see how much you can afford to buy.
- Set up an appointment for a loan application to meet with the Loan Consultant to go over available mortgage programs and select the one best suited to your situation.
- After loan application, start looking for the "home of your dreams".
- You can lock in an interest rate and shop knowing that you are protected against rising interest rates.
- It only takes 24 to 48 hours to obtain a pre-approved loan for a specific amount and terms. You then have the confidence that you can afford the home of your choice.
- With a pre-approved loan sellers will take your offer to purchase more seriously as they too know that you are approved.
- After you choose a home, we can order an appraisal and set a closing date.
- All the worry is taken out of home shopping...replaced by the pleasure of planning your move to your new home.
Frequently Asked Questions
How do I know how much I can afford?
Call First Financial and speak to a Loan Consultant for a free, no obligation pre-qualification interview. Or you can now do this on-line by clicking on the qualify link here.What does it cost me to get a loan commitment before I select a home?
First, there is no charge for pre-qualification. There is a $50 credit report fee required when you apply for the loan. This fee is non-refundable.I don't have a lot of money. How much will I need to buy a home?
Most of our programs require a 5% downpayment. There are other programs available that require even less money down. These programs have some limitations. Check with a Loan Consultant to see if you qualify.- Our Community Home Buyer program requires 5% down, but only 3% must come from the buyer. The other 2% can come from the seller, a gift from a relative, or from lender assistance.
- Our Rural Guaranteed program requires NO downpayment.
- If you are a veteran VA loans require NO downpayment.
My credit isn't perfect. Can I still buy a home?
First Financial Services has many programs for buyers with "less than perfect" credit. Our Loan Consultants can review your credit situation and determine if you qualify for one of our programs so give us a call.What are the benefits of using First Financial Services?
- We have access to many different lenders, who each have a wide variety of mortgage programs. We have the ability to "shop" for the best rate amoung our lenders.
- We are reputable, experienced, and friendly professionals who have one goal in mind...to help you find financing for your new home.
- Our Loan Consultants are available for evening and weekend appointments at your home, your office, your Realtor's office or our office.
As always we welcome you to phone us with any questions or comments that you may have and if you're in the area please stop by and say "Hi".
130 Scruggs Road, Suite 203
Moneta, VA 24121
Phone: (540) 721-0010 or Fax: (540) 721-0285
Toll Free: (800) 804-0808
