First Residential Independent Mortgage

Buying a home soon? 🏡 What you do during the mortgage process matters more than you think. Staying financially consistent can help keep your closing on track. ✨

Buying a home soon? 🏡

Small credit changes now can help you qualify for better loan options later, and at First Residential, we generally look for a 620+ credit score for most loans.

Already have an FHA loan? A Streamline Refinance could help you lower your rate with less hassle and a faster closing.
If rates have dropped since you bought, it might be time to take a second look.

Have questions? Drop a comment!🏡

See the potential others might miss.

With an FHA 203(k) loan, you can purchase a home and finance renovations. With Standard options for major renovations and Limited options for smaller updates and repairs. 🏡✨

House hacking with an FHA loan is possible and more accessible than many buyers think.

✔ FHA 203(b) loans allow 2–4 unit properties
✔ Minimum 3.5% down (with qualifying credit)
✔ Must occupy one unit as your primary residence for at least 1 year
✔ Rental income from other units may help with qualification

Smart structure. Long-term upside. Have questions about multifamily FHA loan limits in your area? We’re happy to help.

Prequalified or preapproved — what’s the difference? 🤔

✔️ Prequalification gives you a quick estimate of what you might afford.
✔️ Preapproval takes it a step further with verified documents and a credit check that shows sellers you’re serious.

Not sure which step makes sense for you right now? Let’s talk. 🏡

Homeownership doesn’t have to feel out of reach.
For many buyers, this path makes getting the keys more possible than expected. Take a look at the graphic to learn more.

Buying your first home or looking to refinance? First Residential Independent Mortgage is here to help every step of the way. 🏡

From conventional and FHA loans to refinancing options, our team is committed to making the mortgage process simple, clear, and tailored to your goals.

Your homeownership journey starts here.

Your next home might be closer than you think. 🏡
There’s a reason this option is one of the most popular—take a look at the graphic to see why it works for so many buyers.

Homebuying doesn’t have to feel overwhelming. 🏡

Here’s a simple breakdown of the mortgage loan process with First Residential Independent Mortgage:

1️⃣ Choose your loan structure
2️⃣ Get preapproved
3️⃣ Apply for the loan
4️⃣ Move in and begin repayment

Ready to take the first step toward homeownership? Let’s get started.