🏡 How to Buy Your First Home with an FHA or Conventional Loan

✅ Step 1: Check Your Credit & Budget
• Review your credit score (FHA: 580+ preferred, Conventional: 620+ recommended)
• Calculate how much you can afford monthly
• Save for your down payment (FHA: as low as 3.5%, Conventional: 3–5%+)

✅ Step 2: Get Pre-Approved
• Contact a trusted lender like Super Home Funding
• Submit basic financial info (income, assets, debts)
• Receive a pre-approval letter to show sellers you’re serious

✅ Step 3: Find Your Home
• Work with a licensed real estate agent
• Tour homes that fit your budget and lifestyle
• Make an offer once you find “the one”

✅ Step 4: Finalize Your Loan
• Choose between FHA or Conventional based on your needs
• Submit documents (pay stubs, bank statements, ID)
• Your lender will order an appraisal and underwrite your loan

✅ Step 5: Close & Get Your Keys
• Review final paperwork and sign at closing
• Pay closing costs (can be negotiated or covered by seller)
• Receive your keys and celebrate — you’re officially a homeowner