First Time Homebuyer

Buying your first home is an important milestone. At The Hicksville Bank, we provide the guidance, resources, and local support you need to move forward with confidence. Whether you are beginning to explore your options or you are ready to get prequalified, our lending team is here to assist you.

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Preparing for Homeownership

A solid financial foundation helps make the homebuying process smoother. Consider the following steps as you prepare:

Review your credit report and understand your credit score
Create a monthly budget that includes your income and expenses
Save for your down payment and closing costs
Know your debt-to-income ratio

Our team can help you understand how these factors influence your loan options and overall purchasing power. Try out our Mortgage Calculator to generate scenarios based on mortgage amount, term in years, interest rate, property taxes, and home insurance.

Down Payment and Assistance Programs

Many first time buyers qualify for programs designed to reduce upfront costs. These may include down payment assistance, closing cost help, or grant opportunities.