Step 1: Get Pre-approved

The pre-approval process helps first-time homebuyers understand how much home they can afford.

What is a pre-approval?

Pre-approval is the closest you can get to confirming your credit worthiness without a purchase contract. It’s free, fully underwritten, and tailored to your needs. If you are submitting an offer on a home, _pre-approval makes your offer significantly stronger, and many sellers won’t consider offers that don’t come backed by a pre-approval letter. When you contact a loan officer, we can walk you through the _pre-approval process.

After pre-approval

We will stay in touch throughout your house hunting journey, updating your pre-approval to keep you competitive for the current market conditions and the specific location where you are looking.

Step 2: Begin Your Journey!

Once you’ve gotten pre-approved and worked with us to determine the best way to finance your purchase, you can begin the search for your dream home! Contact a mortgage loan officer who will help you leverage the market with their expertise.

Save Your Way Home – A flexible savings program designed to help pre-approved customers save for their down payment and closing costs. In addition to the free pre-approval, you’ll receive monthly progress reviews from one of our expert loan officers, and a $250 closing cost credit!

Lock & Shop – This program takes some of the stress out of the process because you can lock in your rate while you shop, so you don’t feel rushed to make a decision or risk losing out on a great rate.

Step 3: Secure Financing

Bluestone has a variety of mortgage and rate lock options, savings accounts, and access to Down Payment Assistance programs for first-time homebuyers.

Down Payment Assistance (DPA) – Several Down Payment Assistance Programs are available to help
make your home more affordable. We can walk you through the options and help you determine eligibility.

Low Down Payment Mortgage Programs – We offer a variety of low down payment mortgage options
to suit your needs, including TruBlue Mortgage with no PMI, VA mortgage, FHA, MassHousing, Home Ready, Home Possible, and more.

Get a Customized Mortgage Rate – First-time homebuyers can also get a customized mortgage rate to get a pulse on today’s market.