First-Time Homebuyer | How to Get a Home Mortgage Loan for a First-Time Homebuyer

First-Time Homebuyer | How to Get a Home Mortgage Loan for a First-Time Homebuyer

[MUSIC PLAYING] My road, my road– golly day. Actually, it starts back, way back. And I had a really rough patch along the way. My daddy always owned his home. I had, in my mind, however, that one day when I grow up, I’d like to buy a house. And I find myself at this age in my life, a widowed woman, retired, with five children and five grandchildren. Can retired people buy homes? 

And I was told, why, yes. Your money is as good as everybody else’s. And so, I ventured to buy a house. Then, my oldest brother died. And the money that I was saving for my house, I had to take out to help bury my brother. I pondered, I seriously pondered what to do, because I felt as though if I took my house money, that that’s my American dream gone up in smoke. Because I was doing this on my own. 

There was a lot of anxiety attached to it, because I knew that it was so important to her. My desire was to immediately say, it’s not a lost cause. It’s not a lost hope. You’re going to have a house. I believe you’re going to have a house. 

Well, I received a phone call from one of our housing partners. And they felt that I would be a good fit to work with Ms. Jackie. And I got a call from a nonprofit that had some windfall money. She was the first person that came to my mind. I just thought about what her journey had been and what a blessing it would be for her to have that additional money. And that meant a lot. 

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For her to be someone who thought it wasn’t going to happen, and not only was it happening, but it was happening and it was going to be less than what she paid in her rent. I’m just one of many standing behind me. We’re all out there championing for that first-time homeowner. 

They held me up and they gave me the confidence of knowing that I could do it, and helped talk me through this, and let me know that all is not lost. Yes, you had a ripple, but that’s all it’s going to be is a ripple. And it was just like, the sky started opening up. I get the phone call saying, we found a house. You need to come see it. So I’m driving down the street, and I’m looking on the right. I’m saying, oh. I’m looking on the left, I said, oh. And guess what? Ta-da, it’s this house. 

I was so excited to the point that I ran up to my husband in the middle of a church service and said, you’ve got to tell everyone how amazing this is. 

It’s a great feeling to know that you’ve helped someone reach a goal that they didn’t think they’d get to. 

I love coming home. I love sitting in the backyard on the front porch, because I have both of those amenities. We have all of our holidays, dinners, just being a family unit. This is where I’m supposed to be. This is where I belong, and my family. And so, I love BB&T. 

I call my first-time home buyers my babies. All I see is an opportunity to make dreams a reality for my clients. 

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Yeah, it’s just so warm and cozy and fuzzy.

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