Buying Your First Home?

We'll Make It Make Sense.

Let's Get Started!

Buying your first home is one of the most exciting things you'll ever do — and if it feels a little overwhelming too, that's completely normal. There are a lot of moving parts, a lot of new terminology, and a lot of decisions to make. At Cultivate, we've walked many first-time buyers through this process, and we've made it our mission to keep things clear, simple, and stress-free. No jargon, no pressure — just honest guidance from real people who genuinely want to see you get your keys.

Common First Time Buyer Myths

I need
20% down

Some loan programs offer reduced down payment requirements for first time homebuyers. Other loan programs don't require a down payment at all. We also offer down payment assistance programs.

I Need Perfect
Credit

Past credit issues don't automatically disqualify you. Some loan programs have more flexible credit requirements than many people realize. It's always worth a conversation.

Getting pre-approved will hurt my credit.

We don't have to pull your credit right away. We can start the conversation with some basic information. When the time is right to pull your credit, the impact is usually between 5-10 points.

I Should Just Go
To My Bank

FHA loans aren't just for first time buyers, but their more flexible credit and debt-to-income ratio requirements create advantages that are especially helpful for first time buyers.

TESTIMONIALS

M. Young

"Craig was beyond helpful during my fiancé and I’s first time buying a home! He talked us through everything and always kept us updated on the process. It couldn’t have gone any smoother! If we had any concerns or problems he always got back to us pretty quick even if it sometimes fell on a weekend (which we are sorry for! LOL) overall, he is somebody that is dedicated to his clients and wants what is best for you. I will always recommend him!!"

First Time Home Buyer Benefits

Lower Down Payment Requirements

Conventional mortgages offer a lower down payment option for first time homebuyers.

Down Payment Assistance and Mortgage Credit Certificates

We have several down payment assistance options available. Some include a mortgage credit certificate, which is a tax credit to lower your income taxes.

Improved Interest Rates

First time homebuyers who fall under certain income limits may have reduced interest rates for conventional mortgages with the removal of credit and down payment related loan level pricing adjustments (LLPAs).

Flexible Credit & DTI Options

Need a mortgage with more flexible credit or debt-to-income ratio requirements? An FHA mortgage may be the right answer for you. If you qualify, a VA home loan is also a great option.

What's The First Step?

It's up to you! You can either:

Give us a call at 940-600-1929. We can talk through your situation, answer your questions, and give you a plan for moving forward.

Start the application. By clicking here you can start the mortgage application. This gives us a head start to understanding your situation and helps us give you quotes faster.

Send us a message and we'll reach out as soon as possible.