First-Time Home Buyers
Thinking about your first home?
Metropolitan areas like San Francisco and Los Angeles are among the most competitive real estate markets in the country. Most first-time home buyers have to submit offers on multiple properties before one is finally accepted. This can turn an exciting process into a frustrating one. We’re here to help you.
A Mortgage Banker That Understands Your Needs
Carlyle Financial mortgage bankers are here long after the retail banks have closed for the day. We’ll guide you through every detail of the home loan process. Along the way, we’ll provide education, review your specific needs and help you select the appropriate home loan.
Our premium services to first-time home buyers include:
- FHA Financing
- Combination of a 1st and 2nd Mortgage
- Annual Home Loan Review
- Downpayment Assistance Programs
- Fixed-rate and adjustable-rate mortgage (ARM) options.
- Real Estate Agent Recommendations
- Preferred Financial Planners
Stand out among competitive offers and speed up close of escrow with a customized pre-approval letter.
The Federal Housing Administration’s loan programs open the door for many first-time buyers. We can help you decide if an FHA loan is the right option for you.
For buyers with less than 20% down, we can combine the 1st and 2nd, which would potentially minimize your down payment and eliminate costly mortgage insurance.
Closing your loan is only the beginning of our relationship. We’ll take the time to annually review your loan to make sure it’s the still the right mortgage for your needs.
We inform you of the latest federal and state programs to help the first-time homebuyer.
We partner with real estate professionals that specialize in your desired neighborhood for all major metropolitan areas of California.
We can provide referrals to a financial planner that can help integrate property into your portfolio.