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Fulton Bank

First-Time Homebuyers

The path to your new home.

Buying your first home can be a dream come true, but it can be a challenging journey for the unprepared buyer. When it's time to make your move, our mortgage professionals are here to help you every step of the way.

As a first-time homebuyer, you may not be aware of the many programs designed to help save you money including programs like:

The benefits of owning your own home.

Buying a home is one of the most significant purchases you'll ever make. Home ownership offers you a range of benefits:

  • Build equity. Over time, you can build equity aka value that you can use to pay for things like home improvements, debt consolidation and education expenses
  • Tax advantages. You may save money by deducting mortgage interest and property taxes1
  • Create value. Your home may appreciate in value over time
  • Freedom. It's your home and you can do what you like with it to reflect your lifestyle

Determining how much home you can afford. 

Everyone has an idea of a comfortable housing payment they can afford. This, combined with a review of your personal financial situation, will provide guidance to the home buying process. Having the option of choosing from so many mortgage products means that you have a great opportunity to buy the home you want, with monthly payments you can afford.

The Mortgage Application Process

step 1 - get pre-qualified

  • Your fulton mortgage company loan officer will help determine how much you can afford and what mortgage programs work best for you

step 2 - search for your dream home

  • Along with your realtor get out there to find your new home
  • Continue to maintain good credit and check with your loan officer about any financial decisions that may affect your pre-qualification
  • Work with your loan officer to customize a home financing plan for the home you want

step 3 - make an offer with your realtor

  • Work with your realtor to get an accepted offer

step 4 - make a full loan application

  • Once a contract is accepted, reach out to your loan officer to set up home financing
  • Provide all required documents in a timely fashion
  • Your loan officer will order an appraisal
  • Select a closing agent to handle your title services and closing

step 5 - application approval

  • Our processors and underwriters will work to formally approve your loan
  • Provide any additional items that may be requested
  • Shop around and obtain homeowners insurance for your new home

step 6 - settle on your new home

  • Meet at the settlement table to sign on the dotted line and walk away with the keys to your new home!

Contact A Mortgage Professional

Contact a mortgage professional. We're in your neighborhood!