Your first home.
Your own way there.
Know what to expect at each step, from initial budget to keys in hand.
Start with the whole picture
Before searching listings, look at your comfortable monthly payment, cash available, and expected closing costs. A lender preapproval can help turn those estimates into a more useful purchase range once your documents are reviewed.
Choose the right loan path
Conventional loans may have low down payment options and potential PMI cancellation. FHA loans may provide more flexible credit guidelines, with mortgage insurance costs to consider. Eligible VA buyers may have a zero-down option without monthly PMI. The best fit depends on your full profile.
- Set a monthly budget that leaves room for life
- Compare total payment and cash to close
- Review down payment, reserves, and assistance eligibility
- Get documentation ready before an offer
What happens next?
After you apply, your lender reviews income, assets, credit, and debts. Once a property is under contract, appraisal and underwriting follow. Neev helps you understand each request and timing milestone along the way.
Preapproval is conditional and is not a final commitment to lend. Final approval depends on underwriting and property review.
Let's make your first move feel clearer.
Tell Neev what you're working toward. You'll get a real conversation and options shaped around your goals.