First-Time Home Buyer Loans in 90704, CA

Introduction to First-Time Home Buying in 90704, California

Embarking on your first home purchase in the 90704 zip code, encompassing the unique community of Avalon on Santa Catalina Island in Los Angeles County, can be an exciting yet complex journey. As a first-time home buyer, understanding the home buying process is essential to navigate the local market effectively. The process typically begins with assessing your financial readiness, including checking your credit score and determining how much you can afford using our Loan Calculator. Next, getting pre-approved for a mortgage through a trusted lender sets the foundation, allowing you to shop confidently within your budget. In 90704, you'll explore available properties, make an offer, undergo inspections, and close the deal, often with the support of local real estate professionals familiar with island-specific regulations and logistics.

The local housing market in 90704 offers a distinctive blend of coastal charm and limited inventory, with median home prices reflecting the premium location near the Pacific Ocean. Recent data indicates a median single-family home sale price around $735,000 statewide, but in this area, expect variations due to the island's appeal and potential for tourism-driven demand. First-time buyers here may benefit from California-specific programs like CalHFA's MyHome Assistance for down payment help or the Community Home Advantage Program (CHAP), which provides interest rate discounts for eligible ZIP codes including 90704. However, market insights reveal competitive bidding and the need for quick action, making it crucial to stay informed on inventory levels and interest rate trends.

Professional guidance from experienced mortgage brokers is invaluable in this process, especially in a niche market like 90704. At Summit Lending, our team with over 50 years of combined experience can help you explore Purchase Loans tailored to first-time buyers, connect you with down payment assistance options, and ensure compliance with local requirements. We serve all jurisdictions in California, including Los Angeles County, and recommend starting with our Pre-Approval services to strengthen your position. Whether you're interested in First Time Home Buyer resources in Avalon or broader Los Angeles County insights, our brokers provide personalized advice to simplify your path to homeownership. Contact us today at 385-200-1470 or via email at [email protected] to begin.

Eligibility and Requirements for First-Time Home Buyers

As a first-time home buyer in the 90704 zip code (Avalon, California), understanding the key eligibility criteria is essential to navigating the home buying process successfully. At Summit Lending, we specialize in guiding residents through these requirements, offering tailored solutions for purchase loans in California. Below, we'll outline the primary qualifications, including income limits, credit score guidelines, down payment options, and relevant programs available in Los Angeles County and statewide.

Defining a First-Time Home Buyer

According to HUD guidelines, a first-time home buyer is someone who has not owned a principal residence in the last three years. This includes single parents, displaced homemakers, or those previously living in non-permanent structures. For programs like those from CalHFA, you'll need to complete an 8-hour HUD-approved homebuyer education course, which can be done online or in-person. Summit Lending can connect you with resources to fulfill this requirement as part of our first-time home buyer services.

Income Limits

Income eligibility varies by program but is typically tied to the area median income (AMI) for Los Angeles County. For many California programs, such as CalHFA's MyHome Assistance or local options like the LACDA HOP80/HOP120 programs, households must fall within low to moderate income brackets. As of April 2025, examples include:

• 1-person household: Up to $84,850 (80% AMI) or $89,550 (120% AMI) for HOP programs.
• Up to 8-person household: Up to $159,950 (80% AMI) or $168,850 (120% AMI).

Programs like the Community Home Advantage Program (CHAP) have no income limits, making them accessible for a broader range of buyers in 90704. Check our mortgage loans page for how these limits apply to your situation, and contact us for a personalized income assessment.

Credit Score Guidelines

A minimum credit score is required for most loans and assistance programs. Federal options like FHA loans accept scores as low as 500 (with 10% down) or 580 (with 3.5% down), while conventional loans typically require 620 or higher. Statewide programs such as GSFA Platinum or the Chenoa Fund also start at 620. For 90704 residents, maintaining a score above 660 can unlock better rates and more assistance options. If your score needs improvement, our experienced loan officers can provide advice on building credit before applying.

Down Payment Options and Assistance

Down payment requirements range from 0% (for VA or USDA loans, if eligible) to 3-20% depending on the loan type. In California, first-time buyers in 90704 can access significant assistance to minimize upfront costs:

• CalHFA MyHome Assistance: Up to 3.5% of the purchase price as a deferred loan for down payment or closing costs.
• GSFA Platinum: 3-5% non-repayable grant, available statewide with no first-time buyer restriction.
• LACDA HOP Programs: Up to $100,000 for eligible buyers in Los Angeles County (including Avalon), requiring just 1% from your own funds.
• CHAP: Interest rate discounts or credits up to $1,750 for homes in targeted areas like 90704, with no down payment minimums beyond your loan type.
• Local options in nearby areas, such as Long Beach's First-Time Homebuyer Assistance (up to $25,000) or Garden Grove's program (up to $110,000, currently paused).

Many programs require a minimum 1-3% contribution from your own funds (gifts allowed in some cases). Use our loan calculator to estimate payments and explore down payment scenarios. For pre-approval, visit our pre-approval page to get started.

Specific Programs for 90704 Residents

As part of Los Angeles County, 90704 qualifies for county-wide initiatives like Habitat LA's down payment assistance (up to $100,000, though funds are limited) and CalHFA's suite of loans, including FHA, VA, and conventional options with reduced mortgage insurance. The California Dream For All program offers shared appreciation loans for additional support. For veterans or specific professions (e.g., teachers, firefighters), programs like the Heroes Program provide forgivable grants.

Eligibility often includes U.S. citizenship or permanent residency, owner-occupancy, and properties passing inspections. Debt-to-income (DTI) ratios should generally stay under 43-50%. Summit Lending serves all of California, including Los Angeles County and Avalon, with over 50 years of combined experience to help you qualify. Contact us at [email protected] or 385-200-1470 to discuss your options and begin the process toward homeownership.

Available Mortgage Loan Options

As a first-time home buyer in the 90704 zip code, California—covering areas like Avalon on Santa Catalina Island in Los Angeles County—you have access to several mortgage loan options designed to make homeownership more attainable. At Summit Lending, our experienced loan officers can guide you through these choices, including FHA loans, VA loans, conventional loans, and state-specific assistance programs tailored for buyers in the Long Beach area. We serve all jurisdictions in California and can help you navigate eligibility, interest rates, and terms to find the best fit for your needs. For personalized advice, explore our Loan Officers page or contact us via our Contact Us form.

FHA Loans

FHA loans, insured by the Federal Housing Administration, are ideal for first-time buyers with lower credit scores or limited down payment savings. In the 90704 area, these loans require just a 3.5% down payment if your credit score is 580 or higher (10% if 500-579), making them accessible for modest-income households. Current interest rates for FHA loans typically range from 6.0% to 6.75% (as of late 2023; rates fluctuate—use our Loan Calculator for real-time estimates). Terms are usually 30 years fixed, with monthly payments including mortgage insurance premiums (MIP) for the life of the loan if down payment is under 10%. Eligibility includes a debt-to-income (DTI) ratio up to 57% and primary residence requirement. Summit Lending can help you apply for Purchase Loans via FHA in 90704.

VA Loans

If you're a veteran, active-duty service member, or eligible surviving spouse, VA loans offer zero down payment and no private mortgage insurance (PMI), which is a game-changer for first-time buyers in coastal areas like 90704. Backed by the Department of Veterans Affairs, these loans feature competitive interest rates around 5.75% to 6.5% for 30-year fixed terms, with no prepayment penalties. Funding fees apply (1.25%-3.3% of loan amount, waivable for some disabled veterans), but closing costs are often lower. There's no strict credit minimum, though lenders like Summit Lending typically require 620+. Funding is available up to county loan limits (around $1,089,300 in Los Angeles County for 2024). Learn more about qualifying through our Mortgage Loans resources or get Pre-Approval today.

Conventional Loans

Conventional loans, not backed by the government, suit buyers with stronger credit (minimum 620) and stable income. For first-timers in 90704, they require a 3% minimum down payment for eligible programs, with interest rates slightly lower than FHA at 5.75% to 6.5% for 30-year fixed terms. If your down payment is less than 20%, PMI applies until you reach 20% equity. These loans offer flexibility for various property types, including condos common in the Long Beach vicinity, and conforming loan limits up to $766,550 (higher in high-cost areas like Los Angeles County). Summit Lending specializes in Purchase Loans with conventional options—check our Loan Calculator to estimate payments.

State-Specific Assistance Programs

California offers robust assistance for first-time buyers in the Long Beach area (90704), including CalHFA programs like MyHome Assistance, which provides up to 3.5% of the purchase price (e.g., $25,725 on a $735,000 median home) as a deferred, 0% interest second loan for down payment and closing costs. Pair it with a CalHFA FHA or conventional first mortgage for rates around 6.0%-6.75% over 30 years; forgiveness may apply after 15-30 years of occupancy. The GSFA Platinum program offers 3-5% grants (non-repayable) for down payment help, available statewide with no first-time buyer restriction, minimum credit 620, and DTI up to 50%. Local options include the City of Long Beach First-Time Homebuyer Assistance Program (up to $25,000 forgivable loan for low/moderate-income buyers ≤120% AMI) and Los Angeles County HOP programs (up to $100,000 deferred at 0% for eligible areas). Income limits vary (e.g., $94,750 low for 1-person household), and most require an 8-hour HUD-approved education course. The Community Home Advantage Program (CHAP) provides 0.50%-1.00% rate discounts on FHA/VA/conventional loans in Los Angeles County, potentially saving $1,750+ on a $350,000 loan. Visit our First Time Home Buyer in Los Angeles County page for more, or start your application at https://summitlending.my1003app.com/300501. For construction-related buys, see Construction Loans.

Interest rates and terms are subject to market changes and your financial profile—always consult a Summit Lending expert. Read client stories on our Testimonials page or browse our Blog for tips on first-time buying in California.

Step-by-Step Guide to Securing a Home Loan

As a first-time home buyer in the 90704 zip code, California, securing a home loan can seem daunting, but with the right guidance, it's a straightforward process. At Summit Lending, we specialize in helping buyers like you navigate California's unique lending landscape, including local programs in Los Angeles County. This detailed walkthrough covers everything from pre-approval to closing, with tips on document preparation, the application process, and meeting lender requirements. Remember, our experienced loan officers are here to assist every step of the way—contact us today to get started.

Step 1: Assess Your Finances and Get Pre-Approved

Begin by evaluating your financial health. Check your credit score (aim for at least 620 for most programs; FHA allows as low as 500 with higher down payments), calculate your debt-to-income (DTI) ratio (ideally under 43%, though FHA can go up to 57%), and determine how much you can afford using our loan calculator. In California, first-time buyers often qualify for assistance like CalHFA's MyHome program, which provides up to 3.5% down payment help.

To get pre-approved, reach out to a trusted lender like Summit Lending. Visit our pre-approval page for 90704 buyers. You'll need to provide basic documents: recent pay stubs (last 30 days), W-2s or tax returns (two years), bank statements (two months), and ID. Pre-approval strengthens your offers in competitive markets like Avalon and shows sellers you're serious. Tip: In California, complete an 8-hour HUD-approved homebuyer education course early—it's required for many state programs and available online for about $100. This step typically takes 1-3 days and gives you a personalized loan estimate.

Step 2: Find a Home and Make an Offer

Partner with a local real estate agent familiar with 90704 properties. Research homes on the market, considering median prices around $735,000 in Los Angeles County. Once you find a property, make an offer including your pre-approval letter. Include contingencies for appraisal, inspection, and financing to protect yourself under California's disclosure laws.

For first-time buyers, explore purchase loans tailored to your needs, such as FHA (3.5% down) or VA (0% down for eligible veterans). Local programs like the City of Long Beach First-Time Homebuyer Assistance (up to $25,000) or CHAP interest rate discounts may apply—our team can help verify eligibility for 90704.

Step 3: Submit Your Full Loan Application

After your offer is accepted, submit a formal application through Summit Lending. Use our secure portal at https://summitlending.my1003app.com/300501 to upload documents and input details like your Social Security number. Required documents include:

• Proof of income: Pay stubs, tax returns, and employer verification.
• Asset details: Bank and investment statements to verify down payment sources (gifts allowed for up to 3% in some programs, but must be 'seasoned').
• Credit authorization: We'll pull your credit report.
• Property info: Purchase agreement and preliminary title report.
• Additional for California: Evidence of homebuyer education and any down payment assistance applications (e.g., for CalHFA or LACDA HOP programs).

The application process involves underwriting review, which checks for California-specific requirements like earthquake insurance disclosures or coastal commission rules if applicable in Avalon. Expect 30-45 days total; communicate promptly to avoid delays. Tip: Maintain your financial stability—no new debt or job changes during this period, as lenders re-verify everything.

Step 4: Underwriting, Appraisal, and Underwriting Conditions

Your application goes to underwriting, where lenders verify all info and assess risk. In California, they ensure compliance with state income limits for assistance programs (e.g., 80-120% AMI for LACDA HOP, around $84,850-$168,850 for a family of four in LA County). An appraisal (cost: $500-$800) confirms the home's value; if it's low, renegotiate or increase your down payment.

Underwriters may request conditions, like updated bank statements or explanations for credit inquiries. Prepare by organizing files digitally. For 90704 buyers, highlight eligibility for local aids like the Community Home Advantage Program (CHAP), which offers rate discounts without income limits. Our loan officers can guide you through this to meet all requirements efficiently.

Step 5: Review Loan Estimates and Closing Disclosure

Receive a Loan Estimate within 3 days of application, detailing interest rates, closing costs (2-5% of loan amount in CA), and monthly payments. Shop rates if needed, but stick with Summit Lending for seamless integration with California programs. Later, get the Closing Disclosure 3 days before closing—compare it to the Loan Estimate for accuracy.

Closing costs include title fees, escrow, and prepaid items like property taxes. First-time buyers can negotiate seller credits or use assistance for these. Use our loan calculator to estimate totals.

Step 6: Final Walkthrough and Closing

Conduct a final walkthrough to ensure the property matches the contract. At closing (often at a title company), sign documents like the promissory note, deed of trust, and disclosures. Bring a cashier's check for your down payment (minimum 1-3% own funds for many programs) and closing costs. In California, escrow handles funds securely.

After signing, receive keys—congratulations, you're a homeowner! Record the deed with the county. Tip: Secure homeowners insurance (required for loans) and consider our refinance options later if rates drop. For more resources, check our blog or testimonials from other California first-timers.

Summit Lending serves all of California, including 90704, with over 50 years of combined experience. Learn more about first-time buyer support in Los Angeles County.

Local Resources and Assistance in 90704

As a first-time home buyer in the 90704 zip code, located in Avalon on Santa Catalina Island within Los Angeles County, California, you have access to a variety of local and state resources designed to make homeownership more attainable. These programs focus on down payment assistance, favorable loan options, and educational support to guide you through the process. Summit Lending is here to help you navigate these opportunities and connect you with the right solutions.

California Housing Finance Agency (CalHFA) Programs

CalHFA offers several programs tailored for first-time home buyers in California, including those in the 90704 area. The MyHome Assistance Program provides up to 3.5% of the purchase price or appraised value as a deferred-payment junior loan for down payment and closing costs. This is ideal for buyers who qualify for a CalHFA first mortgage, such as the CalHFA FHA or Conventional loan programs, which often require as little as 3.5% down. Additionally, the Forgivable Equity Builder Loan offers up to 3% assistance that's completely forgiven after five years of homeownership.

Eligibility typically includes being a first-time buyer (no home ownership in the last three years), completing an approved homebuyer education course, and meeting income limits based on household size and location— for Los Angeles County, limits range from about $94,750 for low-income single-person households to higher thresholds for larger families. Credit scores generally need to be at least 660, and properties must be in eligible areas like 90704. For more details on how these fit your situation, explore our First Time Home Buyer resources in Los Angeles County.

Down Payment Assistance Options

In addition to CalHFA, several down payment assistance programs are available for 90704 residents. The GSFA Platinum Program from the Golden State Finance Authority provides a 3-5% grant toward your down payment, with no repayment required after three years, and it's available statewide without a first-time buyer restriction (minimum credit score of 620). For Los Angeles County specifically, the County of Los Angeles Homebuyer's Opportunity Program (HOP) offers up to $100,000 in assistance for low- to moderate-income buyers, with loans deferred until sale or refinance, and requires just 1% of your own funds toward the down payment.

Another valuable option is the Community Home Advantage Program (CHAP), which provides a 0.50%-1.00% interest rate reduction or closing cost credit on FHA, VA, USDA, or Conventional loans for homes in targeted areas, including ZIP code 90704. No income limits apply, making it accessible for a broader range of buyers. Local programs in nearby areas like Long Beach also extend benefits; for instance, the City of Long Beach First-Time Homebuyer Assistance Program offers up to $25,000 for down payment and closing costs to low- and moderate-income households.

To estimate your potential loan payments and see how assistance impacts affordability, use our Loan Calculator. If you're considering a purchase loan, check out options via our Purchase Loans in 90704 page.

Community Resources and Support

Beyond financial assistance, community resources in and around 90704 provide essential education and counseling. HUD-approved homebuyer education is required for most programs and can be completed online through eHome America for about $100 or via free in-person/virtual sessions from local agencies. Organizations like the Affordable Housing Clearinghouse (HUD-certified, reachable at 800-990-5626) offer counseling, while the Neighborhood Homeownership Program (NHS Neighborhood LIFT) provides up to $25,000 in grants and workshops (call 888-895-2647).

In Los Angeles County, contact the Los Angeles County Development Authority (LACDA) at (626) 586-1853 for HOP program details and eligibility verification. For Avalon-specific guidance, nearby Long Beach's Housing and Neighborhood Services (562-570-5223) hosts workshops and can connect you to resources. Veterans and essential workers may qualify for additional perks through programs like the Heroes Program.

Summit Lending's experienced team can help you get pre-approved and match you with these resources. Start by visiting our Pre-Approval page for 90704 or learn more about all our Mortgage Loans. For personalized advice, reach out via our Contact Us page or explore testimonials from satisfied clients on our Testimonials section.

Financial Preparation and Budgeting Tips

As a first-time home buyer in the 90704 zip code, California—encompassing areas like Avalon on Santa Catalina Island—you're entering one of the nation's high-cost housing markets. With median home prices often exceeding $700,000, careful financial preparation is essential to ensure affordability and long-term stability. This section provides practical advice on assessing what you can truly afford, calculating monthly payments, managing your debt-to-income (DTI) ratio, and readying your finances for homeownership. Summit Lending's experienced team can guide you through this process, drawing on over 50 years of combined expertise to help you navigate California's competitive real estate landscape.

Assessing Affordability in a High-Cost Area

Start by evaluating your overall financial health. In 90704, where property values are elevated due to the island's unique appeal and limited inventory, aim to keep your total housing costs—including mortgage, taxes, insurance, and maintenance—below 28-36% of your gross monthly income. Factor in California's high property taxes (around 0.75-1.1% of assessed value) and potential homeowners association fees if applicable. Use our Loan Calculator to input local variables like current interest rates and estimated taxes for 90704 properties. Additionally, consider down payment assistance programs available in Los Angeles County, such as CalHFA's MyHome Assistance, which can provide up to 3.5% of the purchase price as a deferred loan—perfect for stretching your budget without overextending.

To build a realistic budget, track your income, expenses, and savings for at least three months. Set aside an emergency fund covering 3-6 months of living expenses, as unexpected costs like ferry travel or island-specific maintenance can add up. For personalized affordability insights tailored to first-time buyers in California, explore our First Time Home Buyer in Los Angeles County, California resources, which include tips on leveraging local incentives.

Calculating Monthly Payments

Understanding your potential monthly mortgage payment is crucial before house hunting. For a typical $750,000 home in 90704 with a 3.5% down payment (common for FHA loans), your loan amount might be around $724,000. At current rates (around 6.5-7%), this could result in principal and interest payments of $4,500-$4,800, plus escrow for taxes and insurance adding another $800-$1,200 monthly.

Don't guess—use reliable tools to simulate scenarios. Visit our Loan Calculator for purchase loans to enter details like loan type (FHA, Conventional, or VA), interest rate, and term length. This will give you an accurate breakdown, including private mortgage insurance (PMI) if your down payment is under 20%. If you're eyeing a unique property like a condo on the island, our Purchase Loans in 90704 Zip Code, California page offers insights into financing options that fit coastal properties. Always get pre-approved early; check out our Getting Pre-Approved For a Mortgage Loan in 90704 Zip Code, California guide to streamline this step and strengthen your offers in a seller's market.

Managing Debt-to-Income Ratios

Your DTI ratio—total monthly debt payments divided by gross monthly income—is a key metric lenders use. Most programs prefer a front-end DTI (housing costs) under 28% and back-end (all debts) under 36%, though FHA allows up to 43% or even 50% with strong credit. In high-cost 90704, where payments can strain budgets, paying down high-interest debts like credit cards (aim for utilization under 30%) can lower your DTI and qualify you for better rates.

For example, if your gross income is $8,000/month and debts total $1,500, your current DTI is 18.75%—room for a $2,000 housing payment. But add a $4,500 mortgage, and it jumps to over 75%, which is unsustainable. Review your finances with a Loan Officers expert at Summit Lending to optimize this. Programs like the Community Home Advantage Program (CHAP), available in Los Angeles County, can reduce rates by 0.5-1%, effectively lowering your DTI impact without changing your debt load.

Preparing Finances for Homeownership

Beyond calculations, prepare by boosting your credit score (target 620+ for most loans, 680+ for best terms) and saving aggressively for closing costs (2-5% of purchase price, or $15,000-$37,500 on a $750,000 home). In 90704, explore state and local aid: CalHFA's programs or LA County's HOP loans offer up to $100,000 in assistance for eligible first-timers. Avoid new debt, like car loans, during preparation, and complete a HUD-approved homebuyer education course—often required and available for free or low cost.

Finally, connect with Summit Lending for a no-obligation consultation. Our brokers serve all of California, including 90704, and can connect you to the Mortgage Loans in 90704 Zip Code, California that best match your profile. Visit our Contact Us page or call 385-200-1470 to get started on your path to owning a home on Santa Catalina Island.

Common Challenges and Solutions

First-time home buyers in the 90704 zip code, encompassing Avalon on Santa Catalina Island in Los Angeles County, face unique hurdles in California's dynamic real estate market. High property prices, often exceeding the state median of $735,000, combined with competitive bidding wars and limited inventory, can make homeownership seem daunting. However, with tailored mortgage solutions from Summit Lending, these challenges are surmountable. Our team of experienced loan officers, with over 50 years of combined expertise, specializes in navigating these issues to help you secure your dream home.

One major challenge is the elevated cost of homes in this coastal area, where median prices reflect the desirability of island living and proximity to Long Beach. Down payment requirements can feel overwhelming, especially with closing costs adding 1.5-5% to the total. Solution: Leverage state and local programs like CalHFA's MyHome Assistance, offering up to 3.5% of the purchase price as deferred down payment help, or the Community Home Advantage Program (CHAP) for interest rate discounts in qualifying Los Angeles County zips like 90704. At Summit Lending, we guide you through these options, pairing them with our purchase loans to minimize upfront costs. Use our loan calculator to estimate payments and explore affordable FHA or Conventional loans with as little as 3-3.5% down.

The competitive market in 90704 and surrounding Long Beach areas intensifies competition, with multiple offers common and homes selling quickly. First-timers may struggle with pre-approval timelines or negotiating in a seller's market. Solution: Obtain a swift pre-approval through our pre-approval process, which strengthens your offers and gives you an edge. Our brokers connect you with HUD-approved education courses, essential for programs like those from the City of Long Beach First-Time Homebuyer Assistance, providing up to $25,000 in aid. This preparation, combined with insights from our blog on market tips, equips you to act decisively.

Income limits and credit requirements for assistance programs, such as those under 80-120% of area median income (e.g., $84,850-$89,550 for one person in LA County), can exclude some buyers. Additionally, the need for homebuyer education adds a step. Solution: Summit Lending's personalized approach assesses your eligibility for programs like GSFA Platinum grants (up to 5% non-repayable) or LACDA's HOP80/HOP120 loans (up to $100,000). We assist with credit improvement strategies and connect you to free or low-cost workshops. Contact our loan officers today to start, or visit our contact page for immediate support. With our services covering California, including 90704, we're here to turn challenges into successful homeownership.

Next Steps and Contact Information

Ready to take the next step in your home buying journey in the 90704 zip code, California? As a first-time home buyer, securing pre-approval is crucial to strengthen your position in this competitive market. Visit our Pre-Approval page to learn more about the process and get started today. Our experienced loan officers at Summit Lending are here to guide you through personalized options, including down payment assistance programs available in Los Angeles County.

Schedule a free consultation with one of our mortgage experts to discuss your specific needs, explore Purchase Loans tailored for first-timers, and navigate local programs like CalHFA or CHAP that can make homeownership more accessible in Avalon and surrounding areas.

Whether you're interested in calculating potential payments using our Loan Calculator or learning about our team's expertise on the Loan Officers page, we're committed to providing solutions. For immediate assistance, reach out to Summit Lending:

• Phone: 385-200-1470
• Email: [email protected]
• Location: 305 E Main Street Suite 202, Tremonton, UT 84337
• NMLS #: 2394434

Start your application securely by visiting our loan processing link: https://summitlending.my1003app.com/300501. Contact us now via our Contact Us page or explore more resources on our First Time Home Buyers section. Let's turn your dream home into reality!