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There's a first time for everything

Buying your first home? We’re here to keep it simple. And maybe even fun.

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Your path to homeownership starts here.

Mortgage Options for First-Time Homebuyers

Buying your first home can feel overwhelming—but the good news is, there are several loan programs designed to make it easier. Here are some of the most common options to help you get started:

First-Time Homebuyer Loans

Enjoy maximum financing flexibility with low down payment options tailored specifically for those purchasing their first home.

VA Loans

If you’re active-duty military, a veteran, or a qualifying family member, a VA loan offers exclusive benefits—often with no down payment required.

FHA Loans

Perfect for buyers with limited credit history or smaller savings. FHA loans offer low down payments and flexible qualification terms.

USDA Loans

For eligible buyers in designated rural areas, USDA loans provide the opportunity to buy with no down payment and low interest rates.

Make the choice that fits your future.

Should You Rent or Buy?

Deciding between renting and buying goes beyond comparing monthly payments. Our Rent vs. Buy calculator helps you evaluate the long-term costs and benefits of each option—so you can make a smart, informed decision based on your goals and lifestyle.
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Unlock the Benefits of a DSCR Loan

If you’re investing in rental properties, a DSCR loan gives you a powerful edge. Unlike traditional loans, DSCR financing focuses on your property’s rental income—not your personal income. That means more flexibility, simpler qualification, and a loan that truly supports your investment goals. Let Dan Rick – Lending help you secure the right mortgage—tailored to your strategy, built for your success.

01. Get Preapproved

Know exactly what you can afford before you start shopping. We’ll help you get preapproved quickly, so you can move forward with confidence and clarity.

A great agent makes all the difference. We’ll connect you with trusted professionals who understand your needs and guide you through the buying process.
Know exactly what you can afford before you start shopping. We’ll help you get preapproved quickly, so you can move forward with confidence and clarity.
With financing in place and the paperwork done, it’s time to close and celebrate. Welcome to your new home!