There are few experiences in life to match the excitement of being handed the keys to your first home.
Misty Garrison can walk you step-by-step through the process of purchasing your first home with a competitive mortgage.
Find the Ideal Loan to Purchase Your First Home
First time homebuyers come from all walks of life. Some are employed, while others are self-employed. Some may be able to put 20% down, while other may require a smaller down payment.
So that you can find exactly what you need, Misty Garrison offers a range of loan products to first time homebuyers.
A conventional conforming mortgage can be a great all-around choice. This type of loan is not backed by a government agency, and fits within the conforming loan limits for Fannie Mae and Freddie Mac.
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When shopping for your first home, it is possible to need to borrow more than the conforming loan limits allow. In this situation, you can take out a non-conforming mortgage, also called a “jumbo loan.”
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As a veteran, active duty service member, or eligible surviving spouse applying for a mortgage for your first home, you can turn to the VA loan program. If your service record qualifies you, you can purchase a home in Arizona with zero down payment and no PMI.
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Among first time home buyers, one of the most popular mortgage products is an FHA loan backed by the Federal Housing Administration. Low down payments and affordable rates are two competitive features of this easy qualification loan product.
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Will your first home be located in a rural part of AZ? If so, think about applying for a USDA mortgage backed by the US Department of Agriculture. This income-based program is easy to qualify for, and makes it possible to buy a home with no down payment.
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Applying for a mortgage for your first home with no W-2 is a simple process when you use bank statements to verify your income. Our bank statement loan process is available to business owners, self-employed individuals, and others who cannot use the traditional process to apply for their first home loan.
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Misty Can Help You Make Your Dreams of
Homeownership Come True
Why choose Misty Garrison to help you buy your first home? Unlike a big bank, Misty will give you the time, patience, and dedication you need to feel comfortable moving through the process in choosing a mortgage product.
Plus, Misty’s 21 years of experience in the mortgage industry has offered her the opportunity to work with a wide range of homebuyers, each with different obstacles and goals. Drawing on that experience, she can help you buy a home regardless of your own financial scenario.
Buy a Home in Tempe or Beyond Now
Are you ready to work with a mortgage professional who is as passionate about matching you with a loan as you are about getting the keys to your first home? Please contact Misty Garrison at (480) 618-5358 to schedule your consultation.
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