Nashville, TN(615) 555-0182[email protected]Demonstration site — not a lender
Willow CreekHome Finance
Run the numbers

Programme

First Time Home Buyer

Buying a first home means learning a process most people go through only a handful of times. We walk through each step, each document, and each choice at your pace.

Model it — AffordabilityAsk about it

What it is

Buying a first home is one of the larger financial decisions most people make, and it is also one of the most supported. Federal, state, and county programs exist specifically for first-time buyers, and they stack in ways that are not obvious from the outside.

We start with a consultation. No commitment, no credit pull, no sales pitch. We look at your numbers and tell you what they support today, and what would need to change to support more.

From there the work is credit, savings, and program selection. By the time you make an offer, you should have a written pre-approval, a payment you have actually seen written down, and a clear picture of the cash needed at closing.

Who it fits

  • Anyone purchasing their first principal residence
  • Buyers who have not owned in the past three years, which counts as first-time for most programs
  • Recent graduates, newlyweds, and growing families
  • Renters weighing a purchase against another lease

How it runs

  1. 1ConsultationA loan officer reviews your goals, finances, and timeline. No commitment.
  2. 2Pre-ApprovalA written pre-approval letter, so your offers carry weight.
  3. 3House HuntWe coordinate with your agent and update the pre-approval as your target price changes.
  4. 4CloseWe handle the loan file through underwriting, appraisal, and closing.

Questions

How much income do I need?

There is no minimum income. What matters is the debt-to-income ratio, which typically runs up to 43% to 50% depending on the program and the strength of the rest of the file.

What credit score do I need?

FHA goes as low as 580 with 3.5% down, and 500 to 579 with 10% down. Conventional generally starts at 620. Credit is one factor among several, and no score guarantees a particular rate.

How much do I really need saved?

As an illustration, an FHA loan on a $400,000 home needs $14,000 for the 3.5% down payment, plus closing costs that commonly run several thousand dollars more. Gift funds, seller credits, and assistance programs can reduce the cash you bring.

How long does the process take?

From accepted offer to closing, 30 to 45 days is the common range for a purchase loan.

Ask about the first time home buyer

Marked fields are required. Everything else is optional — a broker only needs enough to call you back and know what you are asking about.

This form does not send anything. It validates what you type and shows a confirmation. Nothing is stored in a database, nothing is emailed, and nobody will call you. Willow Creek Home Finance is a fictional company built to demonstrate a design system.

Other programmes

Fixed Rate Mortgage

A predictable rate and payment for the life of the loan.

FHA Home Loan

Government-insured loans with 3.5% down and flexible credit guidelines.

VA Home Loan

$0 down, no monthly mortgage insurance, reusable entitlement.

Rehab Loan

Finance the purchase and renovation of a home in a single mortgage.

USDA Loan

0% down loans for eligible rural and suburban homes.

Jumbo Home Loan

Financing for homes priced above the conforming loan limit.