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First Time Homebuyer

A first-time homebuyer is an individual or household purchasing a residential property for the first time. Typically, these buyers have not owned a home within the past few years, if ever. First-time homebuyers often face unique challenges and opportunities compared to repeat buyers, including eligibility for certain government programs and financial assistance. They may be navigating the complexities of mortgage loans, down payments, and understanding the real estate market for the first time.

NMLS Consumer Access: How to Verify Mortgage Professionals (2024)

NMLS Consumer Access is a public website that lets you verify the licensing and registration of mortgage professionals. Learn how to use it to ensure you're working with trustworthy lenders.

Innovative down payment assistance programs for first-time buyers in California

This article delves into the various assistance programs available, answering common questions and providing valuable insights to help you navigate the home buying process.

First-time homebuyer assistance programs unique to California

In this article, we'll explore these programs in detail, providing valuable insights and resources to help you make informed decisions.

What documents do I need to provide when applying for a HELOC?

In this comprehensive guide, we'll walk you through the documents you'll need to gather for your HELOC application, what to bring to your appointment, and other essential information to help you navigate the process smoothly.

Are there tax benefits to using a home equity line of credit?

The interest you pay on a home equity line of credit may be tax-deductible, but there are specific conditions that must be met.

First time homebuyers down payment assistance

For those looking to buy their first home in California, there are several down payment assistance programs designed to help.

Soft Credit Pull v. Hard Credit Pull

This article highlights the difference between a soft credit pull and a hard credit pull, and explains why soft credit pulls make sense for buyers early in their real estate journey.

Pros and Cons of Various Mortgage Types (Conventional, FHA, VA, USDA)

In this article, we'll explore the pros and cons of these mortgage types to help you make an informed decision. Whether you're a first-time homebuyer or looking to refinance, understanding these options is key to choosing the best mortgage for your situation.

Mortgage Pre-Qualification v. Mortgage Pre-Approval

Understanding the difference between mortgage pre-qualification and pre-approval can significantly impact your home buying journey. Pre-qualification offers a quick estimate of what you might afford, while pre-approval provides a more detailed and credible assessment of your borrowing power.

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Michael Tennant, a licensed mortgage professional (NMLS License #1404861), operates as a net branch of MortgageRight (NMLS License #2239). The domain name "tennantlending.com" is owned by Michael Tennant and is not associated with a separate mortgage company. This website aims to provide informative content and pre-qualification services to prospective borrowers.