Meet Emily, a single mom who felt overwhelmed by the entire home-buying process—money, paperwork, you name it. She feared making a huge financial mistake. At MortgageWell, we walked her through every step—pre-approval, house-hunting tips, and final closing. Now, she and her daughter are happily settled in a cozy home they’re proud to own.

Key Benefits for First-Time Buyers

Unlock savings and achieve financial freedom through refinancing options tailored for you.

Clear, No-Nonsense Guidance

From down payments to closing costs, we explain it all.

We help you determine what you can really afford, so you don’t overextend.

Save time and energy by following our proven first-time home buyer plan.

Confidence in Your Budget

Personalized Roadmap

Our 4-Step Home Buying Process

Unlock better rates and terms to save money on your mortgage refinancing journey.

Closing Day

We’ll share tips to avoid overpriced homes or bad deals.

Finishing the Mortgage Approval

We handle the tough stuff: forms, submissions, and negotiations.

Get Pre-Approved

Know your budget—no more guesswork.

House Hunting & Making Offers

Celebrate this milestone knowing there are no last-minute surprises.

FAQs

Q: Is a 5% down payment enough?

A: It can be—depending on your financial situation and mortgage insurance requirements. We’ll help you weigh the pros and cons to making the minimum requirement or if putting down more is better for you.

Q: What are closing costs, and how much are they?

Q: Can I still qualify if I have student debt?

A: Closing costs can include appraisal fees, home inspection fee, title insurance, land transfer tax, and lawyer fees. They usually total between 1% to 1.5% of your home’s purchase price. It’s important to budget for these expenses early on so you’re not caught off guard.

A: Many first-time buyers do. We’ll factor it into your budget and lender options.

Ready to take the next step?