First-Time
Homebuyers
A new home isn’t just a purchase—it’s a new chapter.
At Choice Mortgage Group, we understand what it’s like to stand at the starting line of homeownership. As homeowners ourselves, we know the questions, the doubts, and the dreams that come with it. That’s why we’re committed to delivering outstanding service that exceeds expectations—starting from your very first conversation with us.
Whether you’re worried about your credit score, unsure how much you need for a down payment, or just don’t know where to begin—we’re here to simplify your journey with empathy in every mortgage.
Think homeownership is out of reach?
Not sure how much you can afford?
Heard you need 20% down to qualify?
Let’s bust those myths and start building your future.
Your First-Time Homebuyer Guide
We created a first-time homebuyer guide that walks you through the full process—from pre-approval to closing day—in everyday language. Because when you understand what’s ahead, you feel empowered to move forward.
Your guide includes:
- What to expect at every stage
- What documents you’ll need
- Tips to help you avoid common pitfalls
- Smart ways to strengthen your buying power
Homebuying Myths—Busted
There’s a lot of outdated info out there. Here’s the truth:
“It’s cheaper to rent.”
Not always. With a fixed-rate mortgage, you’ll know your monthly cost—no surprise rent hikes. And you’ll build equity you can tap into later for renovations, education, or emergencies.
“Mortgage rates are too high to buy.”
Rates change, but opportunities remain. You can buy now and refinance later—or use strategies like buydowns to reduce your rate early on.
“Debt disqualifies me.”
Not necessarily. We look at your debt-to-income ratio—not just your balances. Many homebuyers qualify with student loans, credit cards, and more.
“I need perfect credit.”
Nope. We offer loan options for buyers with less-than-perfect credit. We’ll even help you build a plan to improve your score.
“I need 20% down.”
False. We offer low- and no-down-payment loan options—including down payment assistance programs—for qualified buyers. You may need far less than you think.
The Right Loan, Built Around You
We offer flexible, affordable loan options designed to match your needs:
Stable Payments & Fixed Rate
Peace of mind with a predictable monthly payment.
Lower Initial Interest Rate
Enjoy lower monthly payments early on with adjustable-rate or temporary buydown options.
LEVERAGE YOUR HOME EQUITY
Qualified buyers may purchase a home with little or no upfront cost.
You’re Not in This Alone
We’re proud to offer a client experience that puts you first, a referral partner experience that helps agents shine, and an employee experience rooted in care and connection. With Choice Mortgage Group, you’re getting a team that’s constantly improving to bring exceptional service to every loan—because we know how meaningful this milestone is.