First-Time Homebuyers
Buying your first home should feel exciting, not overwhelming. IMS Home Finance walks you through every terminology, cost line item, and step so you can make confident decisions.
The First-Time Homebuyer Roadmap
1. Initial Planning
We review your income, savings, credit score, and target monthly comfort zone without pressure.
2. Down Payment Preparation
Explore options from 3% down conventional and 3.5% down FHA to VA zero-down loans.
3. Formal Preapproval
Obtain a verified preapproval letter backed by full documentation review to make confident offer submissions.
4. Closing & Keys
Understand your Closing Disclosure (CD) line-by-line so you know every dollar moving to closing day.
Ready to begin your homeownership journey?
No prior mortgage knowledge required. Ask any questions, and our Plano team will guide you patiently.
7950 Legacy Dr, Suite 410
Plano, TX 75024
We never request Social Security numbers, bank statements, tax records, or sensitive credit data on general contact forms. Secure document exchange occurs strictly through our encrypted portal.