first time home buyer programs in san diego californiaQualifying for your first home loan is easier than most people think! Synergy One Lending UTC is here for you every step of the way. We’ll help you determine how much you may be able to borrow and we can provide you with fixed rate and adjustable home mortgage loan options to choose from. Call 858-242-5647 to ask us any home loan questions you have.

We can help make your dreams of owning a home come true.

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First time home buyers have many benefits to start you on the path to home ownership. A first time home buyers mortgage has an attractive low down payment of 3% on a conventional loan up to $417,000! and only 5% down on a loan amount from $417,001-$580,750!

First Time Home Buyer Programs In San Diego County

If you are buying a home for the first time and you need a home loan in San Diego or any part of California, we can help you find the best mortgage loan option. The complex home buying process can make it difficult for first time home buyers to know when it’s the right time to take the plunge into homeownership; Synergy One Lending UTC can help you determine if now is the best time for you. Contact now to answer any questions you have. You can call 858-242-5647 or use our online contact form.

Benefits For First Time Home Buyer Loans?

First time homebuyer loans in San Diego offer a low down payment, reduced interest, limited fees and the possibility of deferring payments. These types of loans are offered at a federal level by the Federal Housing Administration and by most states. 

 

Who Is A First Time Home Buyer?

The FHA defines a first time home buyer as a person who has not owned a home for three years. This also includes single parents and displaced homemakers who only owned a house previously with a spouse.

How do I know that buying a home is a better decision for me than renting one?

Owning a home has numerous advantages over renting, including the chance to build up equity. When you own your home your mortgage payment will often be lower than the price of rent, and the money you do invest benefits you in the long run. Some other benefits of owning a home vs renting are:

  • In most cases, you can deduct the cost of your mortgage loan interest from your federal income taxes, and typically from your state taxes as well. This saves you a lot of money year after year, as the interest you pay will make up most of your monthly payment for most of the years of your mortgage.
  • You deduct the property taxes you pay as a homeowner.
  • The value of your home will increase over the years, so that, should you decide to sell, you may make a profit from your investment.
  • Owning a home allows you the opportunity to truly make it your own by decorating, remodeling, and breathing new life into your space – no permission needed.

It’s important to think about all aspects of homeownership and to contact a mortgage loan expert before you begin your search for your perfect home.

We Make Home Loans Easy!

When you work with us, you’ll be one step closer to owning a home. Contact us to answer your questions about getting prequalified and discuss your home financing needs. You can talk with a mortgage loan officer by phone at 858-242-5647

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Guide To Buying Your First Home

Home Loan Options

Learn the benefits of each type of home loan option.

Conventional loans also have advantages in certain situations. If you make a 20 percent or more down payment for your home, you will not have to pay mortgage insurance to obtain your loan.
FHA mortgages give small closing fees or consolidate any costs or fees into each loan. You can even find a dream-house at any stage of its completion and include the costs to remodel with the cost of the home loan. Special incentives are also available with FHA loans that help to make your new house more energy efficient. Regardless of which FHA loan you think is the best fit, we will help you search San Diego for the best FHA loan.
A great option for Armed Forces veterans looking to get a mortgage are Veteran’s Administration (VA) loans. If a veteran currently qualifies, he or she benefits greatly and can save significantly when getting a home loan. Based out of San Diego, California, our team knows the military community. Our team can help you find the VA mortgage best for you and help you achieve home ownership.

Resources For Buying A Home

Understand the basic steps to becoming a homeowner and find helpful resources to make for an easy move and keep your home maintained over the years.

help buying a first home in san diego california

Home Loan Process

Buying your first home can be a rewarding experience. Learn more about the home loan process you will begin to become a homeowner.

A mortgage prequalification will help you find the home that fits your budget. You can start the process online, or speak to someone directly by calling us at 858-242-5647

Home Buying Tips

Learn some first time home buying tips loaded with useful information that allow first time homebuyers to quickly and easily learn the process of buying your first home. When you choose Synergy One Lending UTC as your San Diego mortgage lender you will get the most amazing customer support around!

  • Get Pre-Approved for Your Home Loan – A pre-approved mortgage will increase your chance of getting the best deal when you buy your home.
  • Know your credit score – As soon as you decide to start looking for a home, check your credit report and credit score with any of the three major credit reporting agencies: Experian, TransUnion and Equifax.
  • Prioritize Your Needs and Wants – Create a checklist of your needs and wants. Don’t forget to include things that aren’t actually a part of the house, but important, such as the neighborhood, commute, school system and even proximity to entertainment.
  • Find the Right Real Estate Agent – You want someone you can trust and who will give you quality advice when you need it. 

Enjoy a hassle-free home buying purchase process

  • Get preapproved for free – before you shop for your new home – and get more bargaining power!
  • We can match you with a trusted real estate agent through our partners of Buy A Home Save A Vet. Our partnered agents ensure a seamless home buying experience.

Every day we help Americans, just like you, buy their first home. Contact us today to see how we can help!

 

Why you should choose Synergy One Lending UTC?

  • Only Synergy One Lending UTC offers Buy A Home Save A Vet. Find out how this great program can help guide you to the best decision to meet your financial needs while giving back to the Veteran community.
  • Voted as a Top San Diego Mortgage Loan Provider by The San Diego Union Tribune Readers Poll 2016

 

Learn More About Buying Your First Home

Start Your Path To Homeownership – Apply Now!

Now is the best time for it to buy your first home, and Synergy One Lending UTC is ready to help put you in the right path to your new front door!

As you start your career or begin a life with your family, buying a home can be one of the smartest and most unique experiences of your life. A home could be the best investment you ever make. There are tremendous tax advantages and being able to call your home “your home” is a great feeling. Having the right home loan lender guide you through the process can make the difference between success and failure in buying your first home.

Loan Pre-Qualification Process:

  • Complete the online application process.
  • Find a current pay stub covering the most recent full month.
  • W-2 forms and/or 1099’s for the past two years.
  • Signed Federal Tax returns – Past two years.
  • Bank statements for two months
  • Copy of driver’s license
  • Copy of Social Security card
first time home buyer loan in san diego california
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There’s no better time to buy your first home!

We’ll walk you step by step through buying a home for the first time and help with every need during the process of getting a home mortgage. Every home owner had to start right were you are and we promise to provide the best aid for your situation when searching for a California mortgage.

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