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Increase Your Success
Finding The Right Mortgage


There are many First Time Home Buyer Programs available to you at Silex, depending on your credit score and the amount you can provide as a down payment, which can be as little as 3%.
To increase your success in finding the right mortgage for your particular financial need and home ownership goals, it is always better to work with a Silex mortgage advisor, who discusses and reviews these important items with you:

Financing Program Options

Many lenders offer special loan options for first time home buyers. Depending upon your location, income, and other factors, you may qualify for a FHA (Federal Housing Administration) loan with down payment options as low as 3.5% or a 100% USDA guaranteed loan with no money down. In addition, we offer conventional first time home buyer programs with as little as 3% down.

Down Payment/PMI Options

As a first time home buyer, you may be surprised to learn that 20% is NOT the minimum down payment requirement and that private mortgage insurance is not cost prohibitive, with many options available to you for both.


  • W2's: Last 2 Years
  • Paystubs: 30 Days Recent
  • Self-Employed Taxes: 2yrs Federal
  • Bank Statements: Last 2 Months
  • ID: Copy of DL & SS Card
  • Contract Of Sale
  • Brokerage Statements: 2-4 Months Recent

Trusted Mortgage Advisor

We are not just mortgage brokers, we are also trusted advisors who analyze your financial information. Our professionals prepare your application, then select the lenders from our vast network that will provide the best loan options so that you get the best deal. Silex service does not stop at the application. We oversee every step of the loan process, from consultation to closing, to make sure everything goes smoothly, and you are in the home of your dreams as quickly as possible.
  • Earning Trust Through Experience

    Because Every Mortgage Is Different...