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First Time Homebuyer

The first step in the homebuying process is mortgage pre-approval. Mortgage pre-approval helps prospective homebuyers better understand how much they need to allocate towards a down payment, and how much can be borrowed for their mortgage loan.

The maximum mortgage loan amount will depend on income, assets, credit rating, and debt.

Below are a few of the unique program features that Brightwire Loans offers for first time homebuyers:

• As low as 1% Down Payment

• Close in 20 days or less

• Parents, siblings, and family members can co-sign


• 700 Credit Score Minimum

• 2 Years working in same industry (unless formerly a student)

• No bankruptcies, judgements, or disputed credit accounts

Go Back

Brightwire Loans LLC

837 Kinderkamack Rd, River Edge, NJ 07661

NMLS# 1074453, 869718 Licensed by the NJ Dept. of Banking and Insurance

Brightwire Loans is a mortgage broker and does not make mortgage loan commitments.

Brightwire Loans does not fund loans, and arranges all loans with third-party providers.