Buying your first home in Macomb Township is exciting, but figuring out the mortgage side of the process can feel overwhelming.

How much money do you actually need? What credit score is required? Should you choose an FHA loan or Conventional financing? Are there down payment assistance options? And how do you know what monthly payment you can comfortably afford?

The good news is that buying your first home may require considerably less money upfront than you think.

Depending on your qualifications, first-time home buyers may have access to Conventional loans with down payments as low as 3%, FHA loans with down payments as low as 3.5%, VA loans with no required down payment for eligible borrowers and other financing or down payment assistance options.

The right mortgage isn’t necessarily the one requiring the smallest down payment. Your credit, income, monthly debts, savings, property type and long-term plans can all affect which financing option makes the most sense.

At BrightSide Lending, we help Macomb Township buyers compare those options before they start making offers so they understand both what they qualify for and what homeownership will actually cost.

This guide walks through the major mortgage options available to first-time buyers and what you should know before purchasing your first home in Macomb Township.

What Is Considered a First-Time Home Buyer?

You might be surprised by what qualifies as a first-time home buyer.

For many mortgage and assistance programs, being a first-time buyer doesn’t necessarily mean you’ve never owned a home.

Some programs may consider you a first-time home buyer if you haven’t owned a primary residence during the previous three years.

That means someone who owned a home several years ago, sold it and has been renting since may potentially qualify for certain programs available to first-time buyers.

The definition can vary by program, however, so don’t assume you’re eligible—or ineligible—based solely on whether you’ve owned a home sometime in the past.

How Much Do First-Time Home Buyers Need for a Down Payment?

One of the most persistent home-buying myths is that you need 20% down to purchase a home.

You don’t.

There are several Michigan home loan options that may allow qualified borrowers to purchase with considerably less.

Here are some of the most common possibilities:

Loan Type	Potential Minimum Down Payment	May Be Worth Considering If…
Conventional	As little as 3% for qualified buyers	You want a low-down-payment option and potentially removable PMI
FHA	As little as 3.5% for qualified buyers	You may benefit from more flexible qualification guidelines
VA	0% for eligible borrowers	You’re an eligible veteran, active-duty service member or qualifying surviving spouse
Down Payment Assistance	Varies by program	You qualify for an available assistance program

Putting more money down can reduce your loan amount and monthly payment and may reduce or eliminate mortgage insurance.

But that doesn’t mean putting every available dollar into your down payment is always the best decision.

If putting 20% down leaves you with almost nothing in savings after closing, a smaller down payment could potentially leave you in a stronger financial position as a new homeowner.

That’s why we like to compare different scenarios.

For example, what happens to your payment if you put 5% down instead of 10%? How much cash would you have left after closing? How much would mortgage insurance cost? Would keeping some of that money in savings be more valuable to you?

The best down payment isn’t simply the largest one you can make.

It’s the one that makes sense within your complete financial picture.

Conventional Loans for First-Time Home Buyers

Conventional financing is one of the most common mortgage options for first-time home buyers in Macomb Township.

Some qualified first-time buyers may be able to purchase a primary residence with as little as 3% down.

For example, on a $300,000 home:

3% down = $9,000

That is dramatically different from the $60,000 that would be required for a 20% down payment on the same purchase price.

A smaller down payment will generally mean financing a larger portion of the purchase and may require Private Mortgage Insurance (PMI), but PMI isn’t necessarily permanent.

With many Conventional mortgages, PMI may eventually be removed after the applicable equity and loan requirements are satisfied.

Conventional financing can be particularly attractive for borrowers with stronger credit profiles, but credit score isn’t the only factor that determines whether it’s the best choice.

Income, debt-to-income ratio, available assets, property type and the overall structure of the transaction matter too.

You can learn more about Conventional loan requirements and low-down-payment options in Michigan in our complete Conventional mortgage guide.

FHA Loans for Macomb Township First-Time Buyers

FHA financing is another important option for first-time buyers, particularly for borrowers who may benefit from more flexible qualification guidelines.

Qualified borrowers may be able to purchase with as little as 3.5% down.

On a $300,000 purchase, a 3.5% down payment would equal:

$10,500

FHA loans can sometimes provide additional flexibility when it comes to credit history and debt-to-income ratios.

However, FHA isn’t automatically the best mortgage simply because you’re a first-time buyer.

FHA financing includes mortgage insurance requirements that should be considered when comparing the total cost against Conventional financing.

That’s why we prefer to run both scenarios when a borrower could potentially qualify for either.

Sometimes FHA clearly makes more sense.

Sometimes Conventional financing does.

The answer depends on the borrower.

Our complete guide to FHA loans in Michigan explains the qualification guidelines, down payment requirements, mortgage insurance and other considerations in greater detail.

VA Loans for Eligible First-Time Home Buyers

If you’re an eligible veteran, active-duty service member or qualifying surviving spouse, a VA loan should absolutely be part of the mortgage conversation.

Qualified VA borrowers may be able to purchase a primary residence with:

• No required down payment
• No monthly private mortgage insurance
• Competitive interest rates
• Flexible qualification guidelines

And you don’t have to be a first-time home buyer to use a VA loan.

For an eligible borrower purchasing their first home in Macomb Township, however, the ability to finance a home without a required down payment can dramatically reduce the amount of cash needed upfront.

VA loans have their own eligibility, entitlement, appraisal and funding-fee considerations, so they still need to be evaluated against your complete financial situation.

If you’ve served, take a look at our Michigan VA loan guide for veterans and military home buyers to learn more about how the program works.

Down Payment Assistance Options for First-Time Buyers

Having enough money saved for the down payment and closing costs can be one of the biggest obstacles to buying your first home.

That’s where down payment assistance may help.

Depending on the program and borrower, assistance may potentially help with expenses such as:

• Down payment
• Closing costs
• Other eligible home-buying expenses

These programs aren’t all structured the same way.

Some have income limits. Some have purchase-price limits. Some are restricted geographically. Others may have credit requirements, homebuyer education requirements or limitations on which mortgage programs can be used.

Program availability can also change.

That’s why we don’t assume that every first-time buyer should use down payment assistance—or that a particular program will be available for every transaction.

Instead, we compare the options that are actually available for your situation.

It’s also worth comparing an assistance program against traditional financing.

Receiving assistance doesn’t automatically mean the mortgage will provide the lowest overall cost, just as making the smallest possible down payment isn’t automatically the best financial strategy.

The goal is to understand both the upfront benefit and the longer-term cost before deciding.

You can learn more about down payment assistance options available through BrightSide Lending and whether an available program may fit your situation.

What Credit Score Do You Need to Buy Your First Home?

There isn’t one credit score that every first-time home buyer needs.

Credit requirements vary depending on the mortgage program, lender guidelines and the rest of your financial profile.

Your credit score can affect more than whether you qualify. It may also influence:

• Your mortgage interest rate
• Private mortgage insurance costs
• Available loan programs
• Down payment requirements
• Your overall monthly mortgage payment

That’s why credit should be evaluated as part of the complete mortgage picture.

A buyer with excellent credit isn’t automatically a stronger borrower if they have excessive monthly debt or very little money available after closing. Likewise, someone with a lower credit score shouldn’t automatically assume homeownership is out of reach.

For example, buyers often ask us whether a 620 credit score is good enough to buy a house. Depending on the loan program and the rest of the borrower’s qualifications, there may be financing options available.

If your credit isn’t where you’d like it to be, getting preapproved early can be helpful.

Instead of guessing what needs to improve, we can review your actual credit profile and determine whether you’re ready to buy now or whether specific changes could potentially put you in a better financing position.

How Much House Can You Afford in Macomb Township?

This is one of the most important questions a first-time buyer can ask—and the answer isn’t simply the maximum amount a lender will approve.

Mortgage qualification generally considers factors including:

• Gross monthly income
• Employment and income history
• Monthly debt obligations
• Credit profile
• Available assets
• Down payment
• Property taxes
• Homeowners insurance
• HOA dues, when applicable
• Estimated mortgage payment

Two homes with exactly the same purchase price can have different monthly payments.

Property taxes may be different. One property might have an HOA while another doesn’t. Homeowners insurance costs can vary. The loan structure can also change the payment.

That’s why we prefer to start with a comfortable monthly payment and work backward toward a purchase price rather than simply telling someone the maximum amount they can borrow.

For example, being approved for a $400,000 home doesn’t mean you have to spend $400,000.

Your mortgage should fit into the rest of your life.

Understanding Property Taxes When Buying in Macomb Township

Property taxes deserve special attention when you’re purchasing a home in Michigan.

The taxes currently being paid by the seller aren’t necessarily a reliable indication of what you’ll ultimately pay after purchasing the property.

Michigan property taxes involve taxable value, assessed value, millage rates and the property’s Principal Residence Exemption status. A transfer of ownership can also cause the property’s taxable value to become uncapped for the following tax year.

That can create an unpleasant surprise for buyers who base their future housing budget only on the seller’s current tax bill.

When we’re estimating a payment for a Macomb Township home, we want the property tax estimate to be as realistic as possible.

A mortgage payment that looks affordable because the taxes were underestimated isn’t helpful.

This is another reason it’s important to have the financing reviewed for the specific property you’re considering before making an offer.

Don’t Forget About Homeowners Insurance

Homeowners insurance is another part of your total monthly housing expense.

Your lender will generally require adequate homeowners insurance on the property, but the premium isn’t the same for every home.

The cost can be affected by factors such as:

• Property characteristics
• Replacement cost
• Insurance history
• Coverage selections
• Deductible
• Insurance carrier

You don’t necessarily need to know the exact premium when you first get preapproved, but it should be included in your estimated payment.

Once you’ve identified a specific property, getting an actual homeowners insurance quote can make the estimate more accurate.

What Is a Mortgage Escrow Account?

First-time buyers sometimes assume their mortgage payment consists only of principal and interest.

For many homeowners, the amount paid each month also includes money collected for property taxes and homeowners insurance.

That money is generally held in an escrow account until those bills become due.

For example, instead of receiving a large property tax bill and paying it separately, a portion of the estimated annual expense may be collected with each monthly mortgage payment.

Your mortgage servicer then uses the escrowed funds to pay the appropriate bills when they’re due.

Our guide to mortgage escrow accounts for Michigan home buyers explains how escrow accounts work, what an escrow analysis is and why the escrow portion of a mortgage payment can change over time.

Understanding this before buying is important because your total mortgage payment may include:

Principal + Interest + Property Taxes + Homeowners Insurance + Mortgage Insurance, when applicable

Looking only at principal and interest can give you an unrealistic picture of what homeownership will actually cost each month.

How Much Money Will You Need at Closing?

Your down payment isn’t necessarily the same thing as your total cash needed to close.

First-time buyers should also prepare for other expenses associated with purchasing and financing a home.

Depending on the transaction, those may include:

• Down payment
• Lender and third-party closing costs
• Title-related charges
• Appraisal, when required
• Homeowners insurance
• Prepaid interest
• Initial escrow deposits
• Property tax adjustments
• Home inspection

That doesn’t mean you simply add every possible expense together and assume that’s what you’ll need.

Your actual cash-to-close depends on the loan, property, purchase agreement and financing structure.

There may also be ways to reduce the amount you need upfront.

Depending on the transaction and mortgage program, those could include seller concessions, lender credits, gift funds or available assistance programs.

This is something we can estimate before you start making offers.

A first-time buyer shouldn’t find out days before closing that they need substantially more money than they expected.

Can the Seller Pay Some of Your Closing Costs?

Potentially, yes.

Seller concessions can allow a seller to contribute toward certain buyer closing costs and prepaid expenses.

The amount permitted depends on factors such as the mortgage program, down payment and transaction structure.

Seller concessions can be especially valuable to a first-time buyer who has enough money for the down payment but would prefer to preserve some savings after closing.

However, asking for seller concessions is also part of the negotiation.

In a competitive situation, the strength of your offer matters. Your real estate agent and lender can help you understand how a proposed seller contribution affects both the financing and the offer itself.

The goal isn’t necessarily to bring the least amount of money possible to closing.

It’s to structure the purchase in a way that makes sense financially and gives you an offer you’re comfortable submitting.

Should You Get Preapproved Before Looking at Homes?

Yes.

Getting preapproved before seriously shopping for a home is one of the best things a first-time buyer can do.

Before getting preapproved, it can also help to understand the steps you can take to prepare financially for your first home purchase, including reviewing your credit, savings, monthly debts and overall home-buying budget.

A mortgage preapproval helps answer several important questions before you’re emotionally invested in a property:

• How much can you potentially qualify for?
• What monthly payment are you comfortable with?
• How much money might you need at closing?
• Which mortgage programs fit your situation?
• Are there credit or qualification issues that should be addressed first?
• What documentation will be needed?

It also allows us to compare different purchase scenarios.

If you’re considering homes at $300,000, $325,000 and $350,000, for example, we can estimate how the payment and cash-to-close change at each price.

That gives you actual numbers to work with while you’re shopping.

What Documents Do You Need for a Mortgage Preapproval?

The exact documentation depends on how you earn your income and the mortgage program you’re using, but a first-time buyer may be asked to provide items such as:

• Recent pay stubs
• W-2s
• Bank statements
• Identification
• Employment information
• Documentation of other income being used to qualify

Self-employed borrowers may need additional documentation, such as personal or business tax returns.

If part of your down payment is coming from a gift, there may also be documentation requirements for those funds.

The goal isn’t to make the process complicated.

It’s to verify the information being used for your preapproval so that when you find a home, we’ve already addressed as many potential issues as possible.

Why Local Preapproval Matters When You’re Making an Offer

A preapproval letter is important, but so is the lender behind it.

When you’re competing for a home, the listing agent may contact the lender to verify that your financing has been reviewed.

That’s one reason we take the preapproval process seriously.

At BrightSide Lending, your mortgage isn’t handed off to a call center after you make an offer. We’re available to answer financing questions, update preapproval letters and communicate with the real estate agents involved in the transaction.

That can be particularly important on evenings and weekends, when many offers are written.

For a first-time buyer, having someone available to explain what’s happening can also make the process considerably less stressful.

Once your financing is understood and your preapproval is in place, you’re ready for the part you’ve probably been waiting for:

actually finding your first home.

Buying Your First Home in Macomb Township

Macomb Township gives first-time buyers a wide range of housing choices.

Depending on your price range and preferences, you may encounter:

• Established subdivisions
• Newer single-family homes
• Condominiums
• New construction
• Homes with homeowners associations
• Properties with different lot sizes and tax structures

The type of property you’re buying can affect the mortgage process.

A condominium, for example, may have financing considerations involving the condominium project itself. A newly constructed home can involve builder contracts, deposits, completion timelines and lender incentives that aren’t part of a typical resale transaction.

That’s why we don’t look only at the borrower.

We also look at the property and transaction to make sure the financing fits what you’re actually buying.

Buying New Construction in Macomb Township

New construction is a significant part of the housing market in Macomb Township, so there’s a good chance first-time buyers will encounter newly built homes while shopping.

Buying from a builder can be a little different from purchasing an existing home.

Depending on the development and builder, you may need to consider:

• Builder deposits
• Construction timelines
• Upgrade costs
• Lot premiums
• Property tax estimates
• Homeowners association dues
• Builder financing incentives
• Interest rate changes during construction
• When your mortgage rate can be locked

One of the biggest things to remember is that a builder’s financing incentive and the best overall mortgage aren’t necessarily the same thing.

A builder’s preferred lender might offer a closing-cost credit, temporary rate buydown or another incentive. Those incentives can absolutely have value.

But you still want to compare the complete financing package.

Look at the interest rate, APR, lender fees, mortgage insurance, credits, cash required at closing and long-term monthly payment.

An attractive incentive doesn’t automatically mean you’re getting the lowest overall cost.

If you’re considering new construction in Macomb Township, we can compare the builder’s financing offer against the mortgage options available through BrightSide Lending so you can see the actual numbers before making a decision.

FHA vs. Conventional: Which Is Better for a First-Time Buyer?

This is one of the most common questions we hear from first-time home buyers.

The answer is:

It depends on the buyer.

There isn’t a universal rule that says first-time buyers should use FHA financing.

Likewise, Conventional financing isn’t automatically better just because you qualify for it.

Here are some of the differences worth comparing:

Consideration	FHA	Conventional
Minimum Down Payment	As little as 3.5% for qualified borrowers	As little as 3% for some qualified buyers
Credit Flexibility	Can offer more flexibility	Often more dependent on overall credit profile
Mortgage Insurance	FHA mortgage insurance applies	PMI may apply with less than 20% down
Removing Mortgage Insurance	Different rules apply	PMI may eventually be removed when requirements are met
Property Standards	FHA appraisal requirements apply	Conventional property requirements apply
Best Fit	Depends on borrower and property	Depends on borrower and property

The real comparison happens when we put your numbers into both options.

For example, one loan might have a slightly better interest rate but higher mortgage insurance. Another could require a little more money upfront but produce a lower monthly payment.

Rather than choosing FHA or Conventional based on what someone told you worked for them, compare the actual cost of each option for your purchase.

If you’re considering FHA financing specifically, our FHA loans in Macomb Township guide goes deeper into how FHA financing works for local buyers.

Common First-Time Home Buyer Mistakes to Avoid

Buying your first home involves decisions you’ve probably never had to make before.

You don’t have to know everything about mortgages before you start, but avoiding a few common mistakes can make the process much easier.

1. Shopping for Homes Before Getting Preapproved

Looking at homes is more fun than gathering mortgage documents.

But shopping before understanding your financing can create problems.

You could fall in love with a home outside your comfortable budget—or discover a qualification issue after you’re already trying to write an offer.

Get the financing figured out first.

2. Assuming You Need 20% Down

You may not.

Qualified buyers may have options requiring considerably less, and eligible VA borrowers may have a no-down-payment option.

Waiting years to accumulate 20% isn’t necessarily required to become a homeowner.

3. Using Every Dollar You Have for the Down Payment

Buying a home and having $500 left in your bank account probably isn’t where you want to be.

Homes come with expenses.

Something eventually breaks. Furniture needs to be purchased. You may need appliances, window treatments, lawn equipment or other things you didn’t need while renting.

Keeping an appropriate financial cushion after closing should be part of the conversation when deciding how much to put down.

4. Opening New Credit Before Closing

That new furniture deal might say no payments for 12 months, but the new debt can still matter to your mortgage.

Avoid financing vehicles, furniture, appliances or other major purchases while you’re in the mortgage process without speaking with your lender first.

Your credit and financial situation may be reviewed again before closing.

5. Moving Large Amounts of Money Without Talking to Your Lender

Mortgage underwriting may require documentation showing where funds came from.

Moving money between accounts or receiving a large deposit isn’t necessarily a problem, but it can create additional documentation requirements.

If you’re planning an unusual transfer, gift or deposit while buying a home, ask first.

6. Comparing Mortgage Lenders Based Only on the Interest Rate

Interest rate matters.

But it’s not the only number that matters.

Compare:

• Interest rate
• APR
• Lender fees
• Discount points
• Mortgage insurance
• Closing costs
• Lender credits
• Cash required at closing
• Monthly payment

A lender advertising a lower rate may be charging points or significantly higher fees to obtain it.

Make sure you’re comparing the complete loan.

7. Making a Major Financial Change Before Closing

Changing jobs, becoming self-employed, reducing your hours or taking on significant new debt can potentially affect your mortgage approval.

If you’re considering a major employment or financial change before closing, talk with your lender before making it.

What Does the First-Time Home Buying Process Look Like?

Once you understand your financing, the home-buying process becomes much easier to follow.

Here’s what a typical first-time purchase in Macomb Township may look like.

Step 1: Get Preapproved

We review your income, assets, credit and monthly obligations.

Then we’ll discuss the mortgage programs that fit your situation, estimated monthly payments and how much cash you may need.

Step 2: Establish Your Comfortable Price Range

Qualification tells us what you can potentially borrow.

Your budget tells us what you want to spend.

We’ll look at different purchase prices and payments so you can establish a range you’re comfortable with.

Step 3: Find a Home

You’ll work with your real estate agent to find properties that fit your needs and budget.

When you find one you want to pursue, we can update the estimated payment using the specific property’s taxes, insurance and other applicable expenses.

Step 4: Make an Offer

Your real estate agent will help structure and submit the purchase offer.

We’ll provide or update your preapproval letter as necessary and can answer financing questions that arise during negotiations.

Step 5: Your Offer Is Accepted

Once you’re under contract, the formal mortgage process begins.

We’ll review the purchase agreement, finalize the loan structure and provide the required loan disclosures.

Step 6: Complete the Inspection

A home inspection is different from a mortgage appraisal.

The inspection is primarily for you and helps you understand the condition of the property.

Depending on the findings and purchase agreement, you and your real estate agent can determine what steps to take next.

Step 7: Complete the Appraisal, When Required

The lender may require an appraisal to obtain an independent opinion of the property’s value and evaluate applicable property requirements.

The appraisal isn’t a replacement for a home inspection.

They serve different purposes.

Step 8: Mortgage Underwriting

The underwriter reviews the loan to confirm that the borrower, property and transaction satisfy the applicable mortgage requirements.

Additional documentation or explanations may sometimes be requested during this stage.

That’s normal.

Step 9: Final Approval and Closing Disclosure

Once the loan has satisfied the required conditions, you’ll move toward final approval and closing.

You’ll receive a Closing Disclosure showing important final information about your mortgage, including the loan terms, payment and closing costs.

We’ll review the numbers with you so you understand what you’re signing.

Step 10: Close on Your First Home

You’ll sign the final documents, complete the transaction and receive the keys according to the terms of your purchase.

Congratulations.

You’re officially a homeowner.

Frequently Asked Questions About Buying Your First Home in Macomb Township

How much do I need to put down on my first home?

It depends on the mortgage program. Some qualified Conventional buyers may be able to purchase with as little as 3% down, FHA financing may allow as little as 3.5% down, and eligible VA borrowers may qualify for financing with no required down payment.

Do I need perfect credit to buy a home?

No.

Credit requirements vary by mortgage program, and lenders consider more than the credit score alone.

Your income, debts, assets, credit history, down payment and other factors can all affect qualification.

Is a 620 credit score enough to buy a house?

Potentially.

A 620 credit score may provide mortgage options depending on the loan program and the rest of your qualifications.

Our guide to buying a home with a 620 credit score in Michigan explains this in greater detail.

Do I have to be a first-time buyer to put only 3% or 3.5% down?

Not necessarily.

Eligibility depends on the particular mortgage program. Some low-down-payment options have first-time buyer requirements while others don’t.

We’ll determine which options apply to your situation.

Are down payment assistance programs available?

There may be down payment or closing-cost assistance options available to qualified buyers.

Availability and eligibility can depend on income, credit, location, loan type and other program requirements.

Because programs can change, we review the options currently available rather than assuming every buyer will qualify for a particular program.

Can my parents or another family member give me money for the down payment?

Many mortgage programs allow eligible gift funds from acceptable donors.

Documentation requirements apply, so talk with us before the money is transferred. We’ll explain how the gift should be documented for your particular mortgage.

Can the seller pay my closing costs?

Seller concessions may be permitted depending on the mortgage program and transaction.

There are limits and requirements, and the seller must agree to the concession as part of the purchase agreement or subsequent negotiation.

Should I choose FHA or Conventional financing?

The better fit depends on your specific situation.

We can compare the down payment, interest rate, mortgage insurance, monthly payment and cash-to-close under both options rather than guessing which one will be better.

Do I need a real estate agent before getting preapproved?

No.

You can get preapproved before choosing an agent.

In fact, getting your financing established first can help you give your agent a clear price range when you’re ready to begin shopping.

If you aren’t currently working with a real estate agent, we can also help connect you with an experienced local agent.

How long does a mortgage preapproval take?

It depends on the complexity of your financial situation and whether the necessary documentation is available.

Straightforward applications can often be reviewed quickly.

The more important goal is to make sure the preapproval is thorough, not simply fast.

Will getting preapproved tell me exactly what my payment will be?

Not until you’ve selected a property.

During preapproval, we can estimate the payment using reasonable assumptions for property taxes, homeowners insurance, mortgage insurance and other expenses.

Once you’ve found a specific home, we can provide a much more property-specific estimate.

When should I contact a mortgage lender?

Earlier than most first-time buyers think.

You don’t have to wait until you’re ready to make an offer.

If you think you might purchase within the next several months—or even if you’re simply trying to determine whether buying is realistic—starting the conversation early gives you more time to prepare.

Ready to Buy Your First Home in Macomb Township?

You don’t need to become a mortgage expert before buying your first home.

That’s our job.

At BrightSide Lending, we’ll help you understand your financing options, compare loan programs and determine what your estimated monthly payment and cash-to-close could look like before you make an offer.

We’re a local Michigan mortgage broker serving Macomb Township and communities throughout Macomb County.

Whether you’re trying to determine how much you can afford, comparing FHA and Conventional financing, exploring down payment assistance options or you’re ready to get preapproved, we’ll walk you through the process from beginning to end.

No call center. No guessing about who to contact when you have a question.

You’ll have a local mortgage professional helping you throughout the process.

Ready to see what buying your first home could look like?

Contact BrightSide Lending today to discuss your options and start your mortgage preapproval.

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