Wachovia First-Time Homebuyers

More space. A nicer environment. Being able to paint the walls any color you’d like. Those are just a few of the more obvious benefits of home ownership.

When you buy a home, you may also enjoy several financial benefits that could potentially help your financial situation for the rest of your life:

Prepare for home ownership with Wachovia
Buying a home requires more than just money for a down payment. You also have to be committed to taking control of your surroundings and your finances. Wachovia Mortgage works with you throughout the home-buying process to help make buying your first home as easy as possible. Together, we can help you understand how owning a home is more attainable—and understandable—than you may realize.

Start your home-buying journey online today

Free Pre-Qualification
In a few minutes you can determine how much you can afford and print a pre-qualification letter from your computer.

Buying a Home
Read our guide to buying your first home, which covers everything from choosing neighborhoods to inspections.

Mortgage Calculators
Find out how much you can afford, how to choose a mortgage to fit your situation, and an estimate of what your monthly payment will be.

Rate and Fee Quotes
Specify the loan amount you want, and value of the home you want to buy, and view a selection of mortgage rates and programs, including a detailed breakdown of all closing costs.

Online Application and Approval
Apply online for a Wachovia mortgage and depending on the product you choose, you could get a preapproval decision in minutes. Plus, when you apply online, we reduce your origination fee at closing—which could save you as much as $500 or more.¹

Move Easy with Wachovia New!
Have a personal Real Estate Coordinator assist you through the entire home-buying process and you could get cash back after closing.

Secure Your Rate
Should you lock your mortgage loan interest rate now? Learn more about options like rate locks and float downs so you can negotiate a mortgage loan that suits you.

¹ The origination fee on the site reflects the Ľ discount on the standard origination fee. The standard origination fee is 1% of the mortgage amount or $2,000 on a $200,000 mortgage. This is a savings of $500. The discounted origination fee available through this offer is .75% of the mortgage amount or $1,500 on a $200,000 mortgage. This offer is limited to one discounted origination fee per loan and can only be redeemed by applying online at the link above or by calling (800) 922-6267. No cash will be provided. This offer is only valid on actual loans closed and will not be credited if the loan is denied or withdrawn. This offer is not valid with any other Wachovia Mortgage offer. Offer is only valid for a limited time and is subject to change without notice. Other restrictions apply.

Mortgage loans are originated by Wachovia Mortgage, FSB, and are subject to credit approval, verification and collateral evaluation. Products are not available in all states. Programs, rates, terms and conditions are subject to change without notice. Certain restrictions apply.

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FIRST-TIME HOMEBUYERS

Start your home-buying journey online today