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Make Your First Home Purchase Your Best-Ever Decision

Can you get qualified? Even without a substantial down payment saved, you’ll find there are programs—such as the FHA loan program—that make it possible for you to become a first-time home buyer.

Take advantage of interest rates. There’s no guarantee that interest rates are going to be this low forever. By getting out of the renter’s game and locking in low interest rates, you can begin a lifelong journey of wealth building.

Use less money down than you imagined. The concept of saving up 20% for money down against a loan can scare some first-time home buyers. But we’ll explain why that doesn’t always have to apply to you.

Find out if I qualify for low rates on a new home purchase.
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What You Need to Know About First-Time Home Buying

According to some statistics, a majority of renters who want to buy a home don’t move forward because they’re afraid they don’t qualify! But there are plenty of programs that make it viable for lots of people—even those with poor credit—to qualify.

For many first-time home buyers, the main issue is coming up with the down payment. Many of those who would otherwise buy a home feel they would move their purchase timeline forward if they could make the down payment.

With some first-time home buyers’ terms, it’s possible to pay with a relatively small down payment, much smaller than the usually-expected 20%.

Home sales are as hot as ever, with available homes sometimes going off the market in as little as three weeks in some areas—or even less.

Find favorable terms. When you approach it the right way, your first home purchase can be a door to great terms that help you with your monthly budget.

Elena and her team are an absolute joy to work with, professional, prompt, and very thorough. We have used their services to both purchase and then refinance our current home. I cannot recommend them enough!!!

- Robin Lynn Marquez

Elena and her team are the best! They were professional and very responsive to all of my questions. Highly recommend!

- Lindsay Zockoll

Elena Boland making things happen. So happy with our home and the process with her to be able to be home owners. She made it so easy for us and and we closed a couple days early.

- Robin Levesque

Elena and her talented team helped my husband and I purchase our home. Elena is without a doubt the most knowledgable brokers in the area. She took the time to explain our options, answer all of our questions, and help us close on our first home in a matter of week! We are so grateful to Wholesale Mortgage Services!

- America Davis

Very professional and knowledgeable. They have helped me purchase and sell a home multiple times. Wouldn’t deal with anyone else. Elena and her team are the absolute best.

- Lacy Gann

Elana Boland and her team went above and beyond to help us purchase our first home. kept us up to date on the process and well informed. Definitely not going anywhere else, when the need to upgrade arises. thank you very much

- CW Heater

I am currently working on financing my third property with Wholesale Mortgage Services and have experienced nothing but a team of folks willing to help. I’ve worked with Elena and Haley, both kind, professional, and truly willing to go above and beyond to get you into your dream home. Although I hope to stay put for awhile, I will never use anyone but Wholesale Mortgage Services.

- Erin Meyering

Highly recommended, hard-working true professionals who make your life easy going through the homebuying process…

- Michael Cummings

Elena is a hard worker and gets things done. She is the gal you want on your side! You can’t go wrong using her services!

- Scarlett Blackwell

I wanted to say thank you for all your help. I found the refinancing experience, with you, favorable, professional and timely. Steve made a good recommendation. Good communication skills by Chase and you. You did good… I see, in the future, more people like me using mortgage brokers/ lenders like you. A lot less hassle and more user friendly than my bank- I would recommend using your services to my friends. If there are any questions please contact me

- Jerry W. Corn

Elena, Stephanie and Christie have made all my dreams and goals come true. One more to go.

- Laura P.

Elena and her team at wholesale mortgage services were so wonderful to work with! Professional, Knowledgeable, and super helpful!

- Heady

Thank you Elena, Christie and your amazing team for helping us finance our dream home. If you want a knowledgable, honest and efficient agency, look no further. We were able to close escrow a few days early. The trick? There aren’t any. When Elena or someone on her team(mostly Christie for us) asks for a document, respond and respond sooner rather than later. They aren’t asking for anything they don’t need. This is a real life case of help them help you. I promise you, if you are proactive, the process goes by so much quicker and smoother. You can’t go wrong with Elena and her team. We are so happy! Pros: highly responsive, knowledgeable, honest Cons: buying a home is stressful.

- Kim Strandberg

Highly recommend! My refinance went fast and smoothly. Elena and her team are great! They kept me informed throughout the entire process. Thank you to all of you!

- Chelsey Reid

Elena and the team at Wholesale Mortgage are fantastic. They are extremely helpful and their straightforward approach is something that I appreciated. I needed a little help and direction in getting my credit up to get a better rate, they were a tremendous asset in doing so. I could tell that Elena and her team were personally invested in the process. This is my second time using Wholesale Mortgage and I will be using them again with any of my mortgage needs. I have referred them to my friends and family and I highly recommend them if you are looking for anything mortgage related. My wife and I are in our dream home because of their dedication to giving the best service possible.

- Justin Maxwell

Elena and Christie are amazing! I have attempted to refinance in the past but the companies wouldn’t listen to what I wanted to achieve. This team not only listened but made it happen! I appreciate being kept in the loop and when I had a question or concern they answered in a timely manner which was much appreciated. I recommend this team to everyone!

- Corina Green

This is an excellent mortgage broker in Reno, NV! We are very happy that we chose them for our VA home loan! They are a broker for United Wholesale Mortgage who currently has the best rates in the country for home loans with a program called “Conquest” (Google it and see for yourself). They are extremely knowledgeable and very honest, and you can trust them to get things done on time, and in this current market you definitely need that from your lender! We will be recommending them to all of our family and friends! 5 Stars all the way!!!

- David T.

The team at Wholesale Mortgage really made refinancing our home a no hassle, no stress endeavor. Glad to have found them. I cannot recommend them strongly enough!

- Chad Walter
Find out if I qualify for low rates on a new home purchase.
Get started now!

What Do First-Time Home Buyers Need to Know About Buying a Home?

Why should I buy a home now and not rent until I can save up a massive down payment?

Because there are plenty of options for lowering your down payment! For example, the FHA loan program, which includes loans insured by the Federal Housing Administration, is great for people with low credit scores and not a lot saved for a down payment. That isn’t to say that you shouldn’t save for a down payment—but remain open to all of the options available.

How will I afford my home?

Pre-approval for a first-time home buyer can be a major step in the process, and it’s easier than you think. A pre-approval is essentially a (conditional) promise from a lender that they can offer you the mortgage terms you need to make an offer on a house. This requires an application process that’s much simpler than you might imagine—and great for first-time home buyers who want to shop around and demonstrate to a seller that they’re serious about their offer.

Should I save for a down payment?

Absolutely. Just because you don’t necessarily have to make a 20% down payment on your first home doesn’t mean that you should eschew the process completely. Having a substantial down payment saved never hurts.

I have a low credit score. What kinds of loan programs are there for me?

If you go through the application process and make sure that your payment is in line with what you can fit within your budget (the typical recommendation is a mortgage that takes up no more than 25-33% of your household budget), then you’ll find it’s possible to afford your first home—and the process may be much simpler than you imagined

How do I get pre-approved?

In addition to the FHA loan program as mentioned in the previous answer, you should also look at your qualification for: the VA loan program, the USDA loan program, and even the Good Neighbor Next Door buyer aid program.

What should I do next?

Simple. Click any of our buttons above and find out if your first time home purchase can be as easy as we say it is here. Don’t worry about a low credit score, either—you’ll find that there are plenty of programs out there that can help.

START HERE.Find out what you qualify for in 1 minute. See if you’re eligible for your first home loan in 60 seconds or less!