Your Journey
First-Time Dreamer
Ready to stop renting? You don't need a massive down payment or perfect credit to buy your first home. We'll show you the programs designed to help you get there.
Down Payment Doesn't Have to Be a Barrier
Multiple state and federal programs exist specifically to help first-time buyers. Here's what's available.
NCHFA Down Payment Assistance
North Carolina's Housing Finance Agency offers up to $15,000 in down payment help for qualified first-time buyers. This can cover your entire down payment on many homes. Income and purchase price limits apply — we'll check your eligibility.
SC DPA Programs
South Carolina offers its own down payment assistance programs for first-time and repeat buyers. These programs provide forgivable or low-interest second mortgages to cover down payment and closing costs.
FHA Low Down Payment
FHA loans require as little as 3.5% down with credit scores starting at 580. They're designed for buyers who may not have large savings or established credit. More flexible qualification guidelines make homeownership accessible sooner.
What to Expect as a First-Time Buyer
The process is straightforward when you have the right guide. Here's how it works.
Pre-Approval
We review your income, credit, and savings to determine what you can afford. You'll get a pre-approval letter that sellers take seriously. This usually takes 24 hours or less.
House Hunting
With pre-approval in hand, you shop with confidence. Your agent knows exactly what you're approved for, and your offers carry weight in competitive situations.
Under Contract to Close
Once your offer is accepted, we handle the loan processing, underwriting, appraisal, and coordination. Most purchases close in 30–45 days. We keep you updated at every step — no surprises.
Keys in Hand
Closing day is when it all comes together. You sign, you get the keys, and you're officially a homeowner. We'll be here after closing too — your mortgage questions don't stop at the closing table.
Ready to Take the First Step?
No commitment, no pressure. Let's talk about your situation and find out what programs you qualify for.
Ron Heaslet • NMLS #2445039 • Serving NC, SC, GA, FL, TN & VA