Start Your Path to Buying a Home

With Langley's First Time Home Buyer Program

You've found the right home for sale, you're ready to buy it, now it's time to find the best mortgage option for you.

Start the process of buying a home with our first time home buyers’ incredible benefits:

  • ✓ 100% financing with no down payment required
  • ✓ No Private Mortgage Insurance (PMI)
  • ✓ Competitive interest rates

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Already have a mortgage application in process?

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Rent or Buy - Factors to Consider:

  • Can you afford it? Look at all factors of your monthly payment: principal, interest, property taxes, and homeowner’s insurance must be included in your budget.
  • How long will you stay in one place? It’s recommended to stay in your home for at least five years or more to build some equity.
  • The yearly cost of maintenance. Owning a home requires sweat equity at times. With renting you can turn over chores to a landlord and move out when it no longer suits your needs.

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Getting ready to start your first mortgage is an exciting time in your life! While the mortgage application process may seem daunting, being prepared ahead of time will help you breeze through the process—the more you know, the better prepared you will be when you meet your lender for the first time.

In order to be prepared, evaluate the following:
  1. Create a plan to save. Figuring out how you will save money is essential and it all starts with taking the time to create a plan. Make a detailed budget by tracking and controlling every dollar you earn and spend each month.
  2. Review your credit report. To begin the application process, we will review your credit report. It is recommended before starting the application process that you review your credit report to dispute any errors you find directly with credit bureaus as it takes 30 days to resolve.
  3. Bring your debts current, pay your bills on time and reduce your balances. Payment history is one of the primary factors in credit scoring, so start making timely payments on all your accounts. Look for any late payments that may be dragging your score down. Keep in mind that you should not take on any new credit during the application or mortgage process.
  4. Save money for upfront costs and down payment. You will need money to cover upfront costs when you start the home buying process such as the appraisal fee. When you write an offer to purchase, the seller will likely require an earnest money deposit. Finally, as you approach your closing date, you will need to provide funds for the down payment and closing costs which will vary based on mortgage type, purchase price, loan amount and so forth.
  5. Gather your income documentation. When meeting with your lender, you will be expected to submit documentation. We require the most recent 30 days proof of income, 2 years of employment history and the past 2 years of federal tax returns.


Financial Fitness Minute:
Getting a Mortgage
Getting a Mortgage
Welcome to the Framework:
Homeownership Course
Framework Homeownership

To participate, members must have not previously owned a home. Upon completion of the program, eligible members may lock in today's interest rate for 45 days. The loan is a 5/5 ARM. Maximum loan amount is $350,000. Gifts will only be allowed if applied to the down payment to reduce the loan amount. Cash back includes origination fee and appraisal fee not to exceed $1,000.