First Time Homebuyer

The biggest investment of your life so far

Are you a First Time Homebuyer? Owning your own home is the American dream made real. At the same time, it can be a nerve-wracking process, depending on your goals and your resources. As a First Time Homebuyer you might not understand the process, don’t know what questions to ask and don’t realize how long the process can take. It can be a drag, but it doesn’t have to be.

Now is the time to seek out an ally, a straight dealing pro who will give you all the facts you need. Realtors serve as your guides, and the best ones look out for your interests in selecting your new home. But they often prefer to stay out of the picture when it comes to financing. That’s when the personal touch of an independent mortgage lender can help.

Schedule a face-to-face meeting with Zachery Adam of Prime Mortgage Lending and Equity Services, Inc., an independent mortgage lender who works to help a First Time Homebuyer like you.

Make the Best Decisions 

Most First Time Homebuyers believe the process goes something like this:

1. Start looking online at houses to see what’s available and to research neighborhoods
2. Contact a Realtor through a friend or family member
3. Walk through a bunch of houses with the Realtor
4. Pick the house you love the best
5. Make an offer on that house
6. Apply for a mortgage loan at your bank or credit union

The best decision, however, starts with the last step. Before you even start hunting for that perfect house, get pre-qualified or even pre-approved, which do two very important things:

1. Getting pre-qualified by an independent mortgage lender speeds up the mortgage process.
2. Pre-approval lets you know exactly how much house you reasonably can afford.

Once you’re pre-qualified, you’ll have a better idea which houses fit your budget. You’ll be better able to direct your real estate agent to those houses that fit your criteria. You’ll have a more realistic vision of your immediate future.

Explore Your Options

As a first time homebuyer, you may believe that you have to get your loan through a bank or credit union. But that’s not the case. An independent mortgage lender often provides more options than a bank can. Shop around. See who gives you the best deal on a mortgage loan that’s right for your circumstances. You may be surprised.

Get Pre-Qualified

Getting pre-qualified for a mortgage loan is the best first step to take when you want to buy your first home.

Mortgage Calculator

To get a quick, down-and-dirty — and completely unofficial and nonbinding — idea of what your monthly mortgage payment would be based on the cost of a house.

16 Mortgage Tips

Get good, professional advice for what to do and what not to do when you’re seeking to buy your first home.

Mortgage Document Checklist

When applying for a mortgage loan, you may need reams of financial records. Or not. It’s different for everyone. Here is a complete list to give you an idea.

Frequently Asked Questions regarding Mortgages

Everyone has questions when it comes to buying a house and applying for a mortgage loan. This page answers the most common questions people have.

Homebuyer’s Guide

Law requires that you be provided with this monstrous document when you apply for a loan. Here is a helpful summary of its contents.

Mortgage Glossary

As you explore down the rabbit hole of mortgage loans, you inevitably will find terms and acronyms that you don’t understand. Look here for help.

Mortgage Loan Products

Prime Mortgage Lending, Inc. offers a wide range of mortgage loan types. To understand the differences, read this page and then talk to Zack.

You can call Zachery Adam at Prime Mortgage Lending and Equity Services, Inc. at 828-242-4780 or contact him online to talk about which mortgage loan is best for you. There’s no cost and no obligation, and Zachery loves meeting first time homebuyers.

Let's talk

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“Fantastic for a nervous first time home buyer! Zack was absolutely fantastic! Made the process so non-threatening. Was THE most responsive person ever. Never took longer than 2 hours to get back with any of my (million) nervous first home buyer questions. If you are a first time buyer or a seasoned home owner, Zack will do a phenomenal job getting you what you need at a great rate.”

C Littlefield

“Being a first time home buyer, there are a million questions that go through your mind when considering the big leap of purchasing a home. Our first meeting with Zack was to discuss the process of obtaining a home loan and he explained everything efficiently, on a level we could understand. His search, on our behalf, for the best possible loan was an incredibly smooth process for us. We feel entirely confident he found the most optimum loan for us. Zack and his team provided excellent support on what information we needed to provide to submit for our loan application, allowing for a quick and easy process for loan approval. Even having an unexpected credit issue arise during the month of our closing, Zack explained our options and the best course of action, resulting in a successful home purchase! We highly recommend Zack for the best option in securing a home loan.”


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