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Your first date, Your first car, and now your first home. Every year millions of Americans take the exciting step of buying their first homes. Purchasing your first home can be a very stressful complicated process--But it doesn't have to be. The key to eliminating the anxiety lies within the team of professionals you have chosen to navigate you through the process.  Like an experienced Captain at sea they will maintain the course to reach your destination.

Where do you start? You should try to find financing before you find your house. ALCOVA Mortgage has over 200 different loan programs; many of which are tailored just for First Time Homebuyers. We will get you pre-approved for the mortgage that fits your needs. We often do this over the phone by gathering information from you such as your income, credit and funds you have available for your purchase. This pre-approval costs you nothing and allows you to get valuable information to aid you in searching for your home such as how much you can afford, what your monthly payments will be, and the amount necessary for down payment. Once we analyze your information and find the loan that fits you best we will issue a "Pre-Approval Letter".  After obtaining the pre-approval letter you can begin looking for your home with confidence.  If you are not already working with a realtor, we recommend choosing a buyer's agent that will work for and represent you in your quest to find that perfect house. Once you find the house you wish to purchase, the realtor will negotiate an offer for you. Once an offer is accepted you will contact us to get started on the mortgage application. You can begin this with our secure internet application which can be completed at your convenience, or you can come in to the office and complete an application with one of our experienced loan officers.

Contact us today to get the process started.