Complete Guide to Getting Your First Mortgage in 2026

Buying your first home is an exciting milestone, but the mortgage process can feel overwhelming. This comprehensive guide will walk you through every step of getting your first mortgage in 2026.

1. Check Your Credit Score

Before you start shopping for homes, check your credit score. Most lenders prefer a score of 620 or higher for conventional loans, though FHA loans may accept scores as low as 580.

2. Determine Your Budget

Use our mortgage calculator to determine how much house you can afford. Remember to factor in:

• Property taxes
• Insurance

• HOA fees
• Maintenance costs

3. Get Pre-Approved

Pre-approval shows sellers you're a serious buyer and gives you a competitive edge in today's market.

Contact Our Team

Ready to get started? Contact Jose Diaz, our Senior Loan Officer, for personalized guidance through your first home purchase.