Buying your first home is the biggest purchase most people ever make, and the mortgage side can feel like the most confusing part. C2C Brokers exists to make it simple. We'll walk you through your options in plain language, shop 30+ lenders for your best rate, and stay with you from pre-approval to the day you get the keys.
You have more paths than most people realize. FHA loans let you buy with as little as 3.5% down and flexible credit. Conventional loans can go as low as 3% down for qualified first-time buyers. VA loans offer 0% down if you've served. And depending on your income and area, you may qualify for down-payment assistance that reduces what you need to bring to closing.
Before you fall in love with a listing, it helps to know your real number. A good rule of thumb keeps your total housing payment within a comfortable share of your gross income, but the right figure depends on your debts, credit, and down payment. Try our affordability calculator and our payment calculator to see estimated monthly payments before you talk to an agent.
It's four steps: get pre-approved (a short application, no hard credit pull to start), shop with confidence knowing your budget, submit your offer with a strong pre-approval letter behind it, and close — often in under 30 days. We handle the lender side so you can focus on finding the home.
Less than most people think. FHA is 3.5% down, some conventional programs allow 3%, and VA is 0% down for eligible veterans. Down-payment assistance may lower it further.
FHA can approve scores as low as 580 (sometimes lower with a larger down payment); conventional generally starts around 620. We'll review your credit and map out the strongest path.
Not inherently. FHA has mortgage insurance and a 1.75% upfront fee that can be financed; conventional low-down-payment loans carry PMI until you reach 20% equity. We'll compare the true monthly cost of each so you choose with eyes open.
From accepted offer to closing is commonly 21–30 days once you're pre-approved. Getting pre-approved first is the single best thing you can do to move quickly.
Get a fast pre-approval or talk through your options with a licensed broker — no pressure, no hard credit pull to start.