Buying your first home in Raleigh shouldn’t feel overwhelming, yet most first-time buyers spend months researching online, getting conflicting advice, and still feeling confused about which loan program actually works for them. As your financial consultant in Raleigh, we remove that confusion by providing clear, personalized guidance tailored to your specific situation.
We specialize in helping first-time homebuyers and those with limited down payment savings find their path to homeownership. Whether you have 3%, 5%, or 10% saved, we evaluate your financial profile and connect you with loan programs that match your goals. Our role goes beyond just processing applications—we educate you on options, help you understand true costs, and guide you through every decision from pre-approval to closing.
Most Raleigh renters don’t realize they’re closer to homeownership than they think. With the right financial consultant and the right loan program, that monthly rent payment could become a mortgage payment building your equity.
First-time homebuyers face unique challenges. You’re making the biggest financial decision of your life with limited experience, often while competing against seasoned buyers in Raleigh’s active market. We specialize in guiding first-timers through this process with patience and clarity.
We start by understanding your complete financial picture—income, debts, savings, credit score, and homeownership goals. Then we explain which loan programs you qualify for and the true pros and cons of each. FHA loans offer low down payments but include mortgage insurance. Conventional loans might require more down but can offer better long-term value. VA loans provide incredible benefits if you’re a veteran or active military.
Our financial consultant approach means we take time to answer every question. We explain terminology, walk through payment scenarios, and help you understand exactly what you’re committing to. Many first-time buyers work with us for months before they’re ready to apply, and that’s perfectly fine.
We also help first-time buyers navigate Raleigh’s local market dynamics. Which neighborhoods offer the best value? How much should you offer? How do you compete with experienced buyers? These questions go beyond loan qualifications, but we provide guidance on the complete homebuying picture.
The biggest barrier to homeownership isn’t income—it’s down payment savings. Many Raleigh renters earn enough to afford mortgage payments but haven’t accumulated 20% down. Low down payment loans solve this problem, letting you buy sooner rather than waiting years to save more.
We guide clients through multiple low down payment options. Conventional loans now allow down payments as low as 3% for qualified buyers. FHA loans require just 3.5% down and accept credit scores starting at 580. VA loans offer 0% down for veterans and active military. USDA loans provide 0% down for properties in eligible areas outside Raleigh’s urban core.
Each low down payment program has different requirements and costs. We compare these options using your actual numbers to show which saves you the most money over time. We also help clients understand the full cost of homeownership beyond the mortgage payment—property taxes in Wake County, homeowners insurance, HOA fees, and maintenance costs all factor into affordability.
We’ve helped hundreds of Raleigh first-time buyers move from renting to owning. We understand the fears, questions, and excitement that come with this major life decision. Our approach prioritizes education and empowerment over sales pressure.
We’re available until 7 PM weekdays and Saturday mornings because most first-time buyers work traditional hours. We’re located on Spring Forest Road in Raleigh—a local financial consultant who understands Triangle area neighborhoods, pricing, and market conditions. Our relationships with multiple lenders mean we can shop your scenario for the best combination of rate, terms, and approval likelihood.
We provide personalized guidance through the mortgage process, helping you understand loan options, calculate affordability, gather documentation, and make informed decisions. We educate rather than just process applications.
Down payment requirements range from 0% (VA and USDA loans) to 3-3.5% (FHA and some conventional loans). Many first-time buyers purchase with less than 10% down.
Absolutely. We specialize in working with first-time buyers who have student debt, limited credit history, or other common first-timer situations. We know which lenders are most flexible.
From pre-approval to closing typically takes 30-45 days once you’re under contract. However, we recommend starting the education and planning process months earlier.
Our compensation comes from the lender at closing. There’s no cost for our guidance, education, and consultation services.
If you’re renting in Raleigh and wondering if homeownership is possible, let’s have a conversation. We’ll evaluate your situation honestly, explain your options clearly, and create a roadmap to get you into your own home.
Our office is at 805 Spring Forest Road in Raleigh. We’re open until 7 PM weekdays and Saturday mornings. Call (919) 510-1108 or email jschneider@certifiedhomeloans.com to schedule your consultation.
You’ll leave with clarity about your path forward, whether you’re ready to buy now or need a few months to prepare. Stop wondering if homeownership is possible and discover your options with a financial consultant who cares about your success.
Find the perfect home financing solution with a trusted Mortgage Lender in Raleigh, NC offering competitive rates and personalized mortgage options.
With years of experience, education + transparency, we are dedicated to providing our clients with the best home purchase or refinance experience possible.
Sunday
Closed
Monday
8:30 AM – 7 PM
Tuesday
8:30 AM – 7 PM
Wednesday
8:30 AM – 7 PM
Thursday
8:30 AM – 7 PM
Friday
8:30 AM – 7 PM
Saturday
9:00 AM – 4 PM
For further information about CHL Raleigh please visit our website at www.CertifiedHomeLoans.com. Receipt of application does not represent an approval for financing or interest rate guarantee. Applicant subject to credit, acceptable appraisal, title, and underwriting approval. Not all applicants will be approved. Other terms and conditions apply. Contact Certified Home Loans for more information and up-to-date rates.