Equity First

Why Choose Us?

At Equity First Mortgage, we understand that navigating the home loan process can feel overwhelming. Confusing terms, endless paperwork, and uncertainty about who to trust. That’s where we come in. 30+ Years Experience Trusted expertise to guide every mortgage decision confidently. Personalized Loan Solutions We tailor options to match your unique financial needs.

1. What documents will I need to get pre-approved for a mortgage?

To get pre-approved you will need your ID, proof of income: pay stubs & tax returns, bank statements, and a credit verification.

2. Can I qualify for a home loan with a low credit score?

Yes, options like FHA loans may be available with credit scores as low as 580. We'll assess your full profile to find the best fit.

3. What’s the difference between pre-qualification and pre-approval?

Pre-qualification is an estimate based on self-reported info. Pre-approval involves documentation and a credit check, making it stronger when submitting offers.

4. How much down payment do I need?

It depends on the loan program! Conventional: typically 5–20% (some conventional programs offer lower down payments). FHA: can be as low as 3.5%. VA: $0 down for eligible veterans and service members. We also offer down payment assistance programs that may cover part—or in some cases all—of the down payment for qualifying first-time homebuyers. Contact us and we'll help you find the best program for you!