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What to Expect

Personalized Guidance
Our mortgage experts take the time to understand your goals and present loan options that fit your unique situation.
A Clear & Simple Process
We make navigating your mortgage easy, from the first conversation to closing day—no confusion, no stress.
Dedicated Support
You’ll always have an expert by your side, making sure you feel confident every step of the way.

Why Choose Society Mortgage?

Experience You Can Trust
With over 27 years in the mortgage industry, we have the knowledge and expertise to ensure a smooth, hassle-free process.
No Borrower Left Behind
We believe everyone deserves a chance at homeownership—no matter your financial background, we’re here to help.
Convenience at Your Fingertips
Whether you prefer to connect via phone, email, or text, we meet you where you’re most comfortable.

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First-Time Homebuyer FAQ

How much money do I need for a down payment?

Many people think they need 20% down, but that’s a myth! There are loan options that allow as little as 0-3.5% down, depending on your eligibility.

What documents do i need to get started

To get pre-approved, you’ll need proof of income (pay stubs, W-2s, or tax returns), recent bank statements, and a soft credit check. Additional documents may include ID, employment verification, and details on existing debts.

Can I buy a home if I have student loans or other debts?

Yes! Lenders look at your debt-to-income (DTI) to determine eligibility. Many first-time buyers with student loans and car payments still qualify for a mortgage.

What credit score do I need to buy a home?

A perfect credit score isn’t required! Many loan programs accept credit scores as low as 600, and some programs have options for even lower scores.

Do I need a perfect credit to get the best loan?

No! There are special loan programs for first-time home buyers that offer great rates even if your credit score isn’t perfect. Plus, we can help improve your score before applying.

What if I’m not ready to buy right now?

That’s okay! Getting pre-approved now can help you prepare and set a goal for when you’re ready. We’ll guide you on improving your finances for the best loan options.