First-Time Homebuyer

With a wide range of resources, we've got you covered with everything you need to navigate buying your first home.

A young couple is standing in a new house, looking out the window. The woman is smiling and the man has his arm around her shoulder. There are boxes and a plant next to them.

Homebuying Calculators

Lock In Your Rate While You Find Your Home

Partner with a mortgage loan officer to complete your pre-approval and lock in your rate. Then shop for your home with confidence.

Fully Underwritten Pre-Approval

Show the seller your offer is solid with this worry-free home financing option.

180 Day Rate Lock

Know your rate is locked while you are looking for your perfect home.

Security

If rates go down while searching for your home, you have the option to drop your rate too.

Home Financing Library

Learn more about terms and topics related to the home financing process.

LEARN MORE

Getting Started

Identify a knowledgeable loan officer

Mortgages don't have to be complicated. We're committed to working with you wherever and whenever it makes sense for you – online, over the phone or in person. A loan officer will answer your financing questions to ensure a worry-free home purchase.

How much house can you afford?

Your loan officer will help you determine how much you can borrow and the amount you should feasibly spend on your home. Keep in mind that they’re not always the same amount. Consider the cost of the mortgage along with your other monthly expenses and long-term financial goals.

Find a local REALTOR® or real estate broker

Save time and money with a real estate professional who knows the market and your desired location. They can negotiate your purchase price and make sure you pay a fair price for your home. They also receive advance notice of new listings, providing you with early opportunities to tour homes.

Paying for Your New Home

Our mortgage loan officers will help you evaluate multiple options for financing your home purchase.

Fixed-Rate Mortgage

Your monthly principal and interest payments remain the same throughout the life of the loan. Most common fixed-rate home loan terms range from 10 to 30 years.

Adjustable-Rate Mortgage (ARM)

ARMs offer a variety of features such as lower rates, caps on interest and conversion options. They generally have monthly principal and interest payments that change after a set period of time, based on an external financial index.

Affordable Home Loans

Make homeownership affordable with several home loan programs, including low down payments, down payment assistance, gifts and grants.

Rewarding Home Loan Discounts

As a valued JFG client, you can enjoy these exclusive discounts. Together, we can make your homeownership journey a rewarding one.

$190 Closing Cost Discount

- Escrow your taxes and insurance

$425 Closing Cost Discount

- Open or have an existing JFG checking account
- Directly deposit your payroll to your checking account
- Set up an ACH mortgage payment

$615 Closing Cost Discount

- Open or have an existing JFG checking account
- Directly deposit your payroll to your checking account
- Set up an ACH mortgage payment
- Escrow your taxes and insurance

Start your pre-approval

Start your pre-approval by filling out the form below. A loan officer will reach out to you to complete the financing process.

Loans are subject to credit and property approval, bank underwriting guidelines, and may not be available in all states. Other loan programs and pricing may be available. Certain conditions, terms, and restrictions may apply based on the loan program selected. The term of the loan may vary based upon program chosen. Eligibility requirements are available upon request. Property insurance is required; if the collateral is determined to be in an area having special flood hazards, flood insurance will be required.

Private mortgage insurance may be required on loans with less than 20% down.