Ly Realty Group - Real Estate Agent

THE PROCESS

WE'LL GUIDE YOU THROUGH EACH AND EVERY STEP.

INITIAL CONSULTATION

Let’s Talk Goals

We’ll connect to understand your timeline, budget, and what homeownership means to you. This is your chance to ask questions, get clarity on the full process and connect you with our vested lenders to get you pre-approved. This helps us shop within your budget and gives you a competitive edge when we’re ready to make offers.

FINDING THE RIGHT FIT

Let’s Get Strategic

Once we find the right home, we’ll craft a strong offer backed by market data. We’ll negotiate on your behalf to get you the best terms and guide you through every detail including inspections, repairs, and local government coding/ compliance. Meanwhile our partner lenders will order an appraisal. We’ll review the results together and negotiate any necessary repairs or credits.

CLOSING TIME

Welcome Home!

Once the final documents are signed, your loan is funded and the home is officially yours. We’ll do a final walkthrough, and then—you get the keys to your new home!

We’ll celebrate your big moment, but the relationship doesn’t end here. You can always reach out for homeowner tips, referrals, or your next real estate move.

EXPLORE THE PROCESS

Understanding your financing options is a key part of the home buying journey. Whether you're a first-time buyer with limited savings or a seasoned investor growing your portfolio, every path to homeownership begins with a smart financial strategy. We’re here to guide you through your loan options with confidence and clarity—breaking down what matters most and connecting you with trusted lending partners who specialize in solutions tailored to your goals, income, and lifestyle.

Our role is to empower you with the knowledge and resources you need to make informed decisions—so when the right home comes along, you're not just ready… you're ahead of the game.

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FHA/VA/USDA

Buying your first home doesn’t mean you need 20% down. These loan programs are designed to help first-time and qualified buyers get into a home with less upfront cost. Whether you're working with limited savings, building your credit, or simply exploring your options, we’ll help you find the right fit and connect you with trusted lenders who specialize in first-time buyer programs.

CONVENTIONAL

Conventional loans are a popular choice for buyers with solid credit, stable income, and a bit of savings. These loans aren’t backed by the government, which means more flexibility in terms—but they often come with competitive interest rates and fewer restrictions for well-qualified buyers. With as little as 3% down, conventional loans can offer lower monthly mortgage insurance and more options when it comes to property types.

INVESTOR & NONTRADITIONAL LOANS

Not every buyer fits into a traditional lending box—and that’s where Non-QM loans come in. These programs are designed for real estate investors, self-employed professionals, and anyone with unique income situations or goals that don't align with conventional guidelines. Whether you're building a rental portfolio, flipping properties, or showing income through bank statements instead of W-2s, there are flexible financing solutions that make it possible.

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WORK WITH US

Partner with our expert team to turn your real estate goals into reality. Enjoy personalized service and dedicated guidance throughout every step for exceptional results.