First-Time Buyers 2018-03-16T19:31:27+00:00

First-Time Home Buyers

Start your home financing journey off right.
KHoward Team boasts the fastest turn times in the industry.

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480-442-8834

Arizona Mortgage Calculator

Calculate your monthly mortgage payments, interest rate, property taxes, and home insurance!

Home Affordability Calculator

Evaluate how much real estate you can afford with our quick and simple affordability calculator.

Arizona Refinance Calculator

Determine whether refinance is the right choice for you with our easy-to-use refi-calculator.

Loan Benefits

Buying your first home can be an intimidating and overwhelming process. The mortgage loan experts at KHoward Mortgage Team strive to make that process easier and specialize with helping first-time home buyers find a home loan to fit their needs and financial goals.

Some of the home loan programs we offer for first-time home buyers include:

  • FHA loans
  • VA loans
  • USDA loans
  • HomeReady®
  • Home Possible®

Each of these loans offers unique benefits for first-time homebuyers, such as a lower required down payment, flexible terms, low income requirements, or flexibility around credit scores. Our agents will carefully review your financial profile and your goals to determine which loan programs might be right for you and then make a tailored recommendation. Our goal is to help you find a loan that will make home buying affordable while also getting you into a home that you love.

Testimonials

Read what our customers have to say about us.


Kirk is great to work with very nice and pleasant!Top-Rated Mortgage Team in Mesa, Arizona
, Mesa, AZ • March 2017
Responded quickly, didn’t make me feel like I was bothering with any questions!Top-Rated Mortgage Team in Mesa, Arizona
, Mesa, AZ • March 2017
Follow up was flawless, attention to detail and closing in record time.Top-Rated Mortgage Team in Mesa, Arizona
, Mesa, AZ • February 2017
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Get Started

Our team of experienced mortgage brokers keep you informed and well-educated on your options at every step of the journey. Get pre-qualified for a home loan and begin your home search with confidence and buying power. With KHoward Mortgage Team in Mesa, Arizona, we help you find the right loan program, the right terms, and boast the fastest turnaround times in the industry.

Our agents also provide education and advice to our clients on buying their first homes, such as helping them understand how to analyze their finances, determining a final budget, and recommending essential professionals such as a real estate agent or mover.

We want to make the home buying process easier for you through every step! Start your home search off right and get pre-qualified for a first-time home buyer home loan. Call your Mesa mortgage team today to talk about your loan options and to begin your journey to buying your first home.

Calculate

Mortgage Payments & Affordability

Purchase price
Please enter here the amount you expect to pay for a home.
Enter a value
Down payment
Down payment is cash that you pay upfront for your home.
6.7%
Enter a value
Term in years
Number of years you have to pay.
years
Enter a value
Interest rate (per year)
The percentage of interest that you will pay on your mortgage for a specific term.
%
Enter a value
Property tax
Enter your property tax here if you know it.
per year
Enter a value
Home insurance
Most lenders require home insurance. Enter its price here.
per year
Enter a value
PMI
PMI is Private Mortgage Insurance which is usually required to pay if your Down payment less than 20%.
per month
Enter a value

$

Principal & Interest
$
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Working with great agents and clients since 1997.

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KHoward Mortgage Team