The Best First-Time Homebuyer Loans

Get the Mortgage that’s Right for You

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Buying a home can be exciting and scary all at the same time. Financially, you’re about to drop a large sum of money for a down payment, perhaps your entire life savings, and take on a significant monthly payment. But more importantly, you’re about to secure a home for you and your family. Between financial worries and daydreaming about your family growing together in your new home, it can be difficult to feel calm. Let Pineywoods Mortgage give you peace of mind. We offer home mortgage loans to first-time home buyers. Contact us today!

Steps To Buying A House

  • Make a list of what you want in a home
  • Begin your home search in your area, often enlisting a real estate agent’s help
  • Speak to a mortgage broker about how much house you can afford
  • Get prequalified and/or preapproved
  • Begin to look at homes
  • Make an offer
  • Get a home inspection
  • Use the best mortgage broker in Tampa & Illinois, Pineywoods Mortgage, for your loan
  • Get house appraised
  • Sign the paperwork at closing
  • Take the keys to your new home!


Renting a home just isn’t the same as owning one of your very own. It’s great that you have a roof over your head. It’s significantly less great that your money vanishes instead of working on strengthening your future, and that the house isn’t truly your home. Homeownership might feel far off, but at Pineywoods Mortgage, we’re here to tell you it could be closer than you realize.

Once the initial excitement of deciding to buy a home settles, it’s time to make your dream a reality. There are many steps to buying a home, from finding a home to getting financed for your home using a mortgage broker like Pineywoods Mortgage, which is perhaps the most important step. After all, houses aren’t free.

Here at Pineywoods Mortgage, we don’t like to say we’re in the mortgage business; instead, we’re in the dream business. For most people, owning a home is a huge dream come true, and we are honored to play our small role in making that happen, especially if you are a first-time homebuyer.

Below, we’ll briefly go over a few of the steps to buying a home. We encourage you to contact us at any time in the home buying process with any questions you may have. We are here to help. Call us today to find out how we can help you make your dream of home ownership come true!

Steps To Buying A Home

Narrow The Search

Many first-time home buyers make the mistake of jumping in without measuring the depth of the water. They start looking at homes, only to discover that many that won’t suit them at all. This is not only a waste of your time and your real estate agent’s time, but it can also lead to frustration in the first-time home buying process from the get-go. Instead, Pineywoods Mortgage in Florida recommends that you take some time and decide what you want and need in a home. It’s important to make the distinction between wants and needs as well because odds are, unless you are building your own home, you won’t find everything you need and want in a home. Make two lists: one that has what you absolutely need, such as four bedrooms if you have three kids or a backyard for your dogs, and one list for what you want, such as granite countertops and heated flooring, that you can live without. Keep this in mind as you’re searching for a home.

Find An Agent

A trusted and knowledgeable real estate agent is essential to your first time home buyer process. They know the local real estate market and know how to get you the best price for your dream home. Pineywoods Mortgage works intimately with Tampa real estate agents in the pre approval and pre approved process so they can better serve you in finding you a home you can afford.

Choose A Broker

A mortgage broker is the person who works with banks and/or other lending institutions to procure you a mortgage loan that best fits your needs. A mortgage broker works with many mortgage lenders in order to get you the best terms for your home loan and the best rates. The mortgage broker works for you. Pineywoods Mortgage helps people achieve their dreams of first-time home ownership. We handle all of the back end, mundane part of buying a home so you can focus on the fun part — moving in and getting settled.

With more than 18 years of experience, we understand that a home loan is a critically important piece of your financial portfolio. Our job isn’t to sell you a mortgage — it’s to give you the information and guidance you need to help you find the right mortgage. We can talk to you about your current credit score and advise you to check it for mistakes or overdue accounts before you seriously begin looking. We can answer questions about how to make sure the mortgage fits within your budget and what to do — or not do — prior to your application.

We’ve been where you are, and we had a thousand questions, too. It’s a privilege to put that hard-earned experience to work for you, and make an often-confusing process a little bit easier. When you’re ready to buy your first home, call Pineywoods Mortgage in Tampa for your first-time home buyer mortgages. To schedule a consultation, contact us online or by phone today.

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