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First-Time Homebuyers

Purchasing your first home is both an exciting and stressful experience – for just above everyone. It’s an intimidating process, too, requiring third-party support to make sure you’re getting the best deal. That’s why our representatives are available to you round the clock, ready to answer any first-time home buying-related question.

What Can I Afford?

This is probably the number one question in the back of your mind. As you know, there are a lot of factors that go into determining your mortgage payment, including your annual income, debt payments, down payments, and additional costs like homeowners insurance.

Which Loan Should I Get?

Though you have a lot of loan options, here at The Home Loan Expert, we recommend a VA Loan, backed by government guaranty and assurance. Here are just a few reasons why VA Loans are the preferred options for active and retired service members:

  1. No Down Payment
    Most homebuyers are asked to put down a 5 percent payment for their convention loan today. If it’s a $200,000 loan, that’s $10,000 out of pocket, right from the get go. For veterans, coming up with that kind of money is a challenge right out of service, which is why a VA Loan is a viable solution.
  2. Easier Requirements
    VA Loans were made with veterans in mind. Veterans don’t have time to build up stellar credit in the military. VA Loans are therefore easier to quality for, equipped with competitive interest rates that aren’t swayed by credit scores.
  3. Manageable Monthly Payments
    Since VA Loans don’t require private mortgage insurance, veterans are left with more money in their pockets every month. Over the lifespan of the loan, you will likely save thousands of dollars.

We also proudly offer several financing options for you, including USDA loans, FHA loans, and conventional mortgages. 

The Pre-Approval Process

To secure your loan, you need to be pre-approved. A loan officer needs to assess your financial situation and determine what you can quality for, followed by a submitted loan application to the lender for approval.

Real Estate Agent Selection

It’s important to use a real estate agent that understands the complexities of the VA Loan Program. You need an agent who also understands your specific needs as a service member. We are happy to provide a network of partnered agents who recognize what you will need from them.

Our Resources

We provide a variety of resources that are designed to make this process as manageable and convenient as possible. Check them out below.

Designed to serve America's Heroes.

Why Choose HERO.LOAN

MORE PERSONALIZED SERVICE

Our team of VA Loan Specialists goes out of their way to create a personalized loan experience for our customers. We will meet with you face to face, in your home, on base, at work, or wherever you like. It’s important for us to get to know you, so we can tailor your loan to your specific needs, and for you to get to know us in a space that is comfortable to you and at a time that works for your schedule.
WE DO THE HEAVY LIFTING
Qualifying for a VA home loan requires a lot of steps, starting with the VA’s Certificate of Eligibility. Through the Hero Loan program, our team lightens your load by helping with every step of the loan process, starting with getting your VA Loan Certificate of Eligibility. We do all the VA paperwork for you!
YOU SAVE TIME
We are a direct-endorsed VA Lender. That means much quicker turnaround times for you. While most lenders take up to 120 days to complete a VA loan, we can close in as little as 14 days. Imagine it: you in your new home in just two weeks.
YOU SAVE MONEY:
NO OUT-OF-POCKET COSTS EVER
We underwrite all our VA loans in house. That means lower mortgage rates for you and no upfront or out of pocket costs—that includes the appraisal. At Hero.Loan, there are never appraisal fees, or any other out of pocket costs.

for more info contact info@hero.loan

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