Your First Home Journey with Loan Lock
Navigating the Mortgage Maze with Confidence
Embark on the exhilarating journey of homeownership with Loan Lock as your trusted guide. We're here to simplify the process, making your dream of owning a home a reality. From unraveling the complexities of mortgages to securing your dream property, we've got you covered at every turn. Welcome to the beginning of your homeownership adventure!
Benefits of First-Time Home Buyer Programs:
Lower Down Payment
Flexible Credit Requirements
Reduced Interest Rates
Closing Cost Assistance
Financial Assistance
DPA for First Time Home Buyer
National Homebuyers Fund: Up to 5% grant for down payment or closing costs.
American Dream Down Payment Initiative: Grants for first-time buyers.
Good Neighbor Next Door: 50% off homes for eligible responders and educators.
The Home Buying Process
Finding a Real Estate Agent: The role of an agent and tips for finding the right one.
Searching for Your Home: Prioritizing your needs vs. wants, considering location, and attending open houses.
Making an Offer: How to make a competitive offer, understanding contingencies, and negotiating terms.
Types of Loans for First Time Home Buyer
FHA Loans: Low credit score (580) and down payment requirements.
VA Loans: Favorable rates for eligible veterans.
USDA Loans: Ideal for rural homebuyers.
Conventional Loans: Flexible options with varying requirements.
Down Payment Assistance: Programs to help cover costs.
Qualifying for First Time Home Buyer Programs
1. Be a first-time homebuyer (not owned in 3 years).
2. Meet income requirements.
3. Have a credit score of at least 620.
4. Attend homebuyer education courses.
Your Key to Homeownership - First Time, Every Time!
1. Are you dreaming of owning your first home? We're here to make it a reality.
2. Loan Lock’s First Time Home Buyer Program opens doors to affordable homeownership.
3. Say goodbye to hefty down payments with our low-down payment options.
4. Enjoy Loan Lock’s competitive interest rates that put your budget first.
5. Don't let credit worries hold you back; we've got solutions for you.
Five commons
Home Buying Myths
01
I Do Not need 20% down to buy a home.
02
I Do Not need perfect credit to buy a home.
03
I Do need a dedicated Loan Agent.
04
A 30-year, fixed-rate mortgage is not always the best.
05
Buying a home is always better than renting.
06
Ask a Loan Office to compare FHA vs Conventional.
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Can Loan Lock
give my Pre-approval Today?
01
I need to know how much I can qualify for
02
What is the difference between Pre-qualify and Pre-approval?
03
Can Loan Lock give me a Pre-approval today?
04
Can I lock my rate with my Pre-approval?
05
Can Pre-approval expedite my loan process?
06
I want Loan Lock to start my Pre-approval.
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Revitalize your financial future
Refinance today
01
I Do need to take cash-out for home renovation.
02
I Do need to lower my monthly mortgage payments.
03
I Do Not always need substantial equity for refinancing.
04
I Do Not have to have perfect credit for a successful refinance.
05
I Doneed expert loan advice to process the loan.
06
I Dohave other options than a 30-year fixed-rate mortgage.
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Unlock Your Dream Home with
LoanLock's Diverse Loan Program
01
Do I need 20% & up for the down payment
02
Can I get Assets Depletion loans available?
03
Can I get a loan if I’m self-employed – 1099 Loans?
04
Can I get a Bank Statement Loan with 660+ credits?
05
Can I get No Ratio DSCR Loans?
06
Can I get a loan up to 6.25 MM with 680+ FICO?
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Frequently Asked Questions
FAQs for first-time home buyers, providing clear and concise answers to common queries:
NMLS# 390320
NMLS# 237507
- Contact Us |
- Locations
714-814-2125 
6 Hutton Centre Drive,Suite 1030, Santa Ana,CA92707
Business Hours Monday - Friday 8:00 AM to 5:00 PM PST
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Phone: 714-814-2125
Address: 6 Hutton Centre Drive,
Suite 1030, Santa Ana,CA92707
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Phone: 714-814-2125
Address: 6 Hutton Centre Drive,
Suite 1030, Santa Ana,CA92707
Legal Disclaimer
Loan Lock Home Loans NMLS# 390320 is the Luxury Division of Loan Lock, NMLS# 237507, located at 6 Hutton Centre Drive Suite 1030, Santa Ana, CA 92707 does not provide legal, tax, or financial advice or guidance and is not associated with any government agency. This is not an offer for extension of credit nor a commitment to lend. Programs, rates, terms, and conditions are subject to change without notice. Certain restrictions may apply. All approvals are subject to underwriting guidelines and minimum credit requirements. Not all loans or products are available in all states. As a result of refinancing, your total finance charges may be higher over the life of the loan. Minimum and maximum loan amounts apply. For current licensure information, please visit: www.nmlsconsumeraccess.org.