Resources

Get started on your financial journey with Equity First Financial's user-friendly tools. Utilize our Payment Calculator, Home Value Estimate, and Refinance Analysis for valuable insights to make informed decisions. Explore our comprehensive FAQ section for answers to common inquiries. Discover how our expert assistance can support you with your loans.

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Loans That We Can Help You With

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Purchasing

At Equity First Financial, we take pride in offering unmatched expertise and a friendly approach to guide you through your home buying journey. Our goal is to secure the best possible mortgage rates, surpassing the competition. With our team of experts in the mortgage industry, you can trust us to provide personalized solutions tailored to your needs. As your trusted mortgage partner, we prioritize your goals and ensure a seamless experience. Let Equity First Financial help you achieve your dream of homeownership with better rates and expert knowledge. Start your journey with us today.

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Refinancing

At Equity First Financial, we specialize in easy and efficient home refinancing. Our expert brokers find you the best options from multiple lenders, ensuring better rates for long-term savings. With skilled negotiators, we secure favorable terms like lower interest rates and reduced fees. Say goodbye to paperwork hassles as we streamline the process and handle all documentation. Experience the difference with our personalized service, unlocking your home's full potential. Achieve your financial objectives effortlessly.

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Investing

A mortgage broker is a valuable intermediary in real estate investing, offering access to a wide network of lenders and providing expert advice tailored to investors' needs. Our streamline the application process, negotiate favorable mortgage terms, and offer specialized mortgage options. With their support, real estate investors can act swiftly and receive continued assistance throughout their investment journey, maximizing their potential and achieving financial goals.

Tools

Mortgage Calculator
Mortgage Calculator
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Refinance Calculator

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Frequently Asked Questions

Absolutely! If you apply for a mortgage without a credit score, you’ll need to go through a process called manual underwriting. Manual underwriting simply means you’ll be asked to provide additional paperwork for the underwriter to review personally. However, some lenders may have stricter requirements and prefer borrowers with varying credit scores depending on the type of mortgage loan.

Here’s what the typical monthly mortgage payment includes: principal, interest, homeowners insurance, property taxes, and private mortgage insurance (PMI) if you put down less than 20% on your home.

A buyer’s agent can guide you through the process of finding a home, negotiating the contract, and closing on your new place. The best part? Working with a buyer’s agent doesn’t cost you a thing. That’s because, in most cases, the seller pays the agent’s commission.

No. There are mortgages with lower down payment options, sometimes as low as 3% to 5%, especially for first-time homebuyers or certain government-backed loan programs (FHA loans, VA loans, or USDA loans).

Yes, there are various down payment assistance programs available to help individuals and families with limited financial resources purchase a home. These programs are typically offered by government agencies, non-profit organizations, or sometimes even through certain lenders. The specific eligibility criteria and availability of these programs may vary based on your location and individual circumstances.

While homeownership goals look different for everyone, there are huge advantages to buying and building equity. Owning a home allows you to build equity over time, which can be an essential asset for your financial future. You have control over your living space and avoid uncertainties of rental agreements or potential rent increases. Lastly, homeownership allows the ability to deduct mortgage interest and property taxes from your federal income tax return. These deductions can reduce your overall tax liability.