First Time Buyer

Become Pre-Approved Before You Shop and Get More Bargaining Power (It’s Free!)

• When you get pre-approved, you have a verified approval and an advantage over other buyers that have not pre-approved.
• What do you get? You’ll get pre-approved for homes in a certain price range, which will narrow your search and help you find the right home – and, your pre-approval is totally free.
• You can also close quicker than other buyers because you already have a head-start on getting approved. For motivated sellers, this can give you just the bargaining power you need.

Most Popular Home Loans for First-Time Home Buyers:

• Down Payment Assistance – Purchase your home with only 1% down with no mortgage insurance. Closing costs can be a gift from a relative!
• FHA DPA Grant - Get the entire 3.5% down granted to you by using our Empowered FHA DPA Loan. Closing costs can be a gift from a relative or even the seller can pay for your closing costs. 
• FHA Loan – Purchase your home with only three and a half percent down. Closing costs can be a gift from a relative!
• 30-Year Fixed  – Our most popular mortgage. Get a low payment and the security your rate won’t change for the life of your loan.
• VA Loan – No down payment, no PMI and flexible credit requirements make the VA loan a top choice for veterans and active military members.
  

We’ll Match you with a Trusted Real Estate Agent

• Not working with an agent yet? We’re here to make buying your first home easy. This totally free service that matches you with a pre-screened, reliable real estate agent in your area!
• How do they do it? We pre-screen real estate agents in California from a variety of different real estate companies to make sure they’re experienced, reliable and that they’ll put your needs first. Those who pass the test become part of our network.
• One Easy Transaction: Preferred real estate agents will work hand-in-hand with your Loan Officer at Billcutter to eliminate confusing, extra legwork and to ensure hassle-free closing.

Get a Home Loan with Little or No Money Down

• Our mortgage programs allow you to buy a home with only as little as 0% down payment! In many cases, that down payment can be a gift from a relative or non-profit organization.
• Add in up to 6% seller concessions and you could come to the closing table with no money out of pocket! Ask us how!

Why Should You Choose Billcutter?

• Low rates and fees.
• Experienced team ready to assist you.
• Streamlined process to get your loan closed fast.
• We offer a $1,000 Best Price Guarantee.