Fewer steps to your front door
No guesswork. Just a clear path from pre-qualification to closing that averages under 30 days.1
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Pre-qualification made simple
Know what you can afford before you shop.
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No surprises
Explore loan programs and other first-time buyer resources.
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Get the right loan
Review what fits your credit, savings, and goals.
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Close on time
Fast, in-house processing helps you move in sooner.
Know before you borrow
Support designed for every step toward homeownership.
Reduce costs
Get up to 6% assistance2 for down payment and closing costs on homes under $450,000.
Save and earn
Renters save with 4.15% APY3 and earn 6% matching rewards.
Improve buying power
Get up to $20,0004 for a loan on newly constructed homes under $450,000.
Starter homes
Buy a condo or townhome for as little as 3.5%2 down if you have 580+ credit, paired with state aid.
See what you can afford
Reach out to get started
Frequently Asked Questions
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A first-time homebuyer is someone who has not owned a home in the past three years. Some loan programs may have additional eligibility requirements.
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Down payment requirements vary by loan type. Some mortgage programs allow qualified buyers to purchase a home with as little as 3.5% down.
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Minimum credit score requirements depend on the loan program and other financial factors. A higher credit score may help you qualify for better loan terms and interest rates.
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You may also need to pay closing costs, homeowners insurance, property taxes and possible private mortgage insurance (PMI).
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You can begin by submitting basic financial information such as income, assets and debts. Pre-qualification provides an estimate of what you may afford, while pre-approval is a more detailed review of your finances.
Let’s get you prequalified
Disclosures
All loans are subjected to qualification. Terms, Conditions, and Restrictions apply. Contact us for additional details.
1 Accordia Mortgage typically closes mortgage loans within 29 calendar days from the date a complete application is received, inclusive of all required documentation. This timeframe represents our historical average based on standard transactions and is provided for informational purposes only. The actual time to close may vary and could exceed this period due to circumstances beyond our control, including but not limited to appraisal delays, title examination findings, underwriting conditions, verification of borrower information, third-party processing timelines, borrower-requested modifications, or mandatory regulatory review periods (such as the three-business-day waiting period following delivery of the Closing Disclosure).
2 Loan with 0% down payment on a 30-year, fixed-rate loan for a $450,000 home at an interest rate of 5.000% APR will have 360 monthly principal and interest payments of approximately $2,415. Payments shown do not include taxes, homeowners insurance, or mortgage insurance (if applicable). Actual payments will be higher. Not all borrowers will qualify.
3 The 4.15% Annual Percentage Yield (APY) is accurate as of October 23, 2025, and is subject to change without notice. APY assumes interest remains on deposit until maturity and is calculated based on a savings account with consistent deposits. The 6% matching rewards are subject to program terms, including eligibility requirements and limits on matching funds. Contact your lender or program administrator for full details and conditions.
4 Borrowers may receive up to $20,000 toward the purchase of a newly constructed home with a sales price under $450,000. Assistance is subject to program availability, credit approval, and lender terms and conditions. Actual assistance amount may vary and is not guaranteed. Contact your lender for full eligibility requirements.
