Buying your first home can feel overwhelming—but it doesn’t have to be. At T-MAX Realty & Mortgage, we guide first-time buyers through every step, from understanding down payment options to securing the right loan program for your situation.
You don’t always need 20% down to buy a home. Depending on your situation, you may qualify for:
FHA loans offer flexible credit requirements and lower down payment options, making them a strong solution for many first-time buyers entering the market.
For eligible veterans, active-duty service members, and qualifying spouses, VA loans offer powerful benefits including:
Successful first-time buyers focus on preparation, starting with pre-approval, understanding total monthly costs, and selecting the right loan strategy early.
Get pre-approved before starting your home search
Understand your monthly payment—not just purchase price
Factor in taxes, insurance, and maintenance
Work with a lender who understands your goals
Common mistakes include delaying pre-approval, focusing only on purchase price, and underestimating total monthly housing costs. Common Mistakes to Avoid
New construction homes offer modern design, customization opportunities, and energy efficiency.
We assist with builder selection, contract review, and financing strategies to help buyers maximize incentives while protecting their interests throughout the process.
Estimate monthly payments based on price, rate, taxes, and insurance.
Prepare for pre-approval with required documentation.
■ Government-issued photo ID (Driver’s License or Passport)
■ Social Security Number
■ 30 days of recent pay stubs (W-2 employees)
■ W-2 forms for the last 2 years (W-2 employees)
■ Last 2 years of tax returns (self-employed)
■ Year-to-date Profit & Loss statement (self-employed)
■ Bank statements (2–12 months depending on program)
■ 2–3 months of bank statements
■ Retirement or investment account statements
■ Gift letter if using gifted funds
■ Lender credit authorization
■ List of monthly debts (loans, credit cards)
■ Mortgage or rent history (if applicable)
■ Purchase contract
■ Homeowners insurance details
■ Property address and details
■ Divorce or support documents (if applicable)
■ Bankruptcy discharge (if applicable)
■ Explanation letters for credit or deposits