What is the minimum credit score needed?

A 620 FICO score is recommended for most programs, but we work with borrowers with lower scores too. We can discuss options for improving your score.

Do I need a large down payment?

No! Many first-time homebuyers qualify for little or no money down programs like FHA, VA, and USDA loans. We can help you explore all available options.

How much income do I need?

Income requirements vary by program. We work with hourly, salaried, and self-employed borrowers. Schedule a consultation to discuss your specific situation.

How long does the approval process take?

Most processes take 30-45 days from application to closing. We move quickly to help you close in a competitive market.

What should I avoid before buying?

Avoid quitting your job, applying for bankruptcy, or making large purchases that could affect your credit or debt-to-income ratio.

John Naccarato

Mortgage Originator

First-Time Buyer Education

5 Things You Need to Know to Buy Your First Home

Learn the essential steps to become a homeowner in Las Vegas. We'll guide you through the entire process.

Check Your Credit Score

A 620 or higher FICO score is recommended. There are also options for lower credit scores. Your Intercap loan officer can help you with suggestions on how to raise your score.

CHECK MY CREDIT

Save for Down Payment & Closing Costs

Many first-time homebuyers qualify for little or no money down programs like state housing, FHA, and USDA loans. There may also be first-time buyer incentives and grant programs available.

CHECK IF I QUALIFY FOR NO MONEY DOWN

Earn Enough Income

You need to show steady income, usually from employment. This can be hourly, salary, or self-employed. Many first-time homebuyers don't realize how close they are to qualifying.

CHECK IF MY INCOME QUALIFIES

Decide: Buying vs. Renting

Buying a home can be a big commitment, but it can also offer big rewards. When you consider how much you already pay to live somewhere, you could turn this rent into an investment.

START MY QUALIFICATION PLAN

Do's and Don'ts Before Buying

Do: Deposit paychecks regularly, pay bills on time, submit tax returns. Don't: Quit your job, apply for bankruptcy, or make big purchases that affect your credit.

GET YOUR PATHWAY PLAN

Ready to Get Started?

Schedule a free consultation with our team. We'll answer your questions and show you your options based on your specific situation.

Get Pre-Approved Now

Frequently Asked Questions

Why Choose John Naccarato?

Local Expertise

We know the Las Vegas market inside and out. We understand neighborhoods, property values, and what buyers need to succeed.

Competitive Rates

We shop rates from multiple lenders to get you the best deal. Transparent pricing with no hidden fees.

Fast Approval

We move quickly so you can make an offer on the home you love. Speed matters in a competitive market.

Related Services

Explore other mortgage programs and services we offer