Ready to Buy Your First Home—Or Your Next Home?

Know exactly what you can afford before you start searching for a home.

Ready to Buy Your First Home—or Your Next Home?

Whether purchasing your first home, your next home or your forever home, you’ll want to choose a loan product that will work best for your current situation and financial goals. Our team is dedicated to helping you understand and get through each step of the mortgage process.

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Home Purchase Qualifier.

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Ready to Buy Your First Home or Next Home?

How the Home Purchase Loan Process Works

The process of securing a mortgage begins by having you complete our simple mortgage pre-approval letter request.

Because there are several types of loans to consider your financial history will help us determine the best options for you. Information such as your annual income, the amount of money available for a down payment, and your credit history will all factor into determining your best loan options.

Why Do I Need Loan Pre-Approval?

Pre-qualifying for a home loan is a simple process that is often required before you can submit an offer on a home.

Pre-approval also gives you a better idea about the size and type of mortgage you are likely to qualify for before you complete an actual mortgage application.

Pre-approval also gives you clarity about the type of home and mortgage you can afford and the monthly mortgage payment you will likely incur.

How does Loan Pre-Approval Work?

The TPG Mortgage Lending team will provide you with a cost-free pre-qualification review to assess your current financial situation. This includes reviewing your current debts, income, and assets so you can receive an accurate picture of what size mortgage you’re likely to qualify for—it’s that simple!

While pre-qualification is not the same as submitting a full mortgage application and doesn’t guarantee you will be approved for a loan, pre-qualification is a useful and often a required step in the home buying preparation process.

What if I don’t Qualify for a Loan?

Even if you don’t qualify for a loan today, we are committed to helping every potential homebuyer reach their dream of homeownership.

We will work with you to develop a customized blueprint so that you can qualify for the best loan option and the ideal time for your unique situation.

TPG Mortgage offers full, concierge mortgage services that adjust to your needs. We will remain available to you whether you’re ready to buy a home today or you are committed to buying a home sometime in the future—stick with us and we’ll stick with you! Contact us today to get started!

Will I Qualify?

Qualifying for a loan is based on your total monthly debt as a percentage of your total gross income (DTI). During our initial call, we’ll ask about the following to assess your loan qualification and DTI:

Current rent or mortgage amount (if applicable)
Estimated budget for your monthly mortgage
Estimated down payment
Estimated credit score and
Timeline for your purchase

The acceptable amount of your total debt-to-income ratio will depend on the type of loan you are seeking.

Mortgage options for first-time or next home buyers include: