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  • First Time Buyer
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First-Time Home Buyer

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Financing a place to call your own is easy when you follow a few simple financial principals.  I am here to make your choices clear and simple.


The Mortgage guidelines state that a First-time home buyer is someone who never owned a home and also those who previously owned a home but have not owned one for the last 3 years. This is important because numerous options are available to the First-time home buyers.  Several programs offer flexibility with down payment and qualifying standards.   My team will help you to avoid the many pitfalls and restrictions that may come into play. 


Buying a home is one of the most thrilling times of your life. As a first time home buyer, you may also be a little nervous and wonder what happens when during the real estate and mortgage transaction.

My role is to remove all of that anxiety—or at least most of it. As one of my clients, you will come to know that I am your advocate. I am working for you! I am here to help provide you with answers to questions and quickly and smoothly determine what loan program is best suite for your current financial situation. I work to get your loan approved. 



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I have assembled answers to questions that have been frequently asked of me, to review just click here. I also invite you to ask you own questions--I will help you find answers. Now is also the time to get pre-approved. I can provide you one for you at no cost.  I will just need some quick information from you. To give you some idea how much a mortgage payments will be, my website has a calculator for your use.  This only provides an idea. I need to peform a quick analysis of your income and debts for an accurate Pre-approval. This gives you the comfort of knowing what you can afford prior to shopping for your dream home.

The Buying Process: Download The 10 Step Home Buying Process.

Buying a home is one of the most exciting and rewarding things you will ever do, or it can be one of the biggest nightmares you will ever go through. How you experience the home buying process depends entirely on how well prepared you are and how knowledgeable the people helping you are. Remember, I am a mortgage loan expert--this has been my business for over 25 years. Let me do most of the work and you will soon be in the Moving Business... Doesn't that make sense?  


Download a loan application checklist.

Ask Rocky For a Free Quote...

Raquel “Rocky” Moore
NMLS Mortgage License #138789
email: Raquel

Mortgage 1 Inc.
45816 Schoenherr Road
Shelby Township, MI 48315
Phone 586.612.5001
Fax 586.677.3898



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Confidence!

Whether you are looking to buy, refinance or receive equity from you home, my team has the perfect mortgage loan for any stage of your life. We are mortgage experts and work to understand your unique financial goals and help you make an informed decision about choosing a mortgage that fits your lifestyle. My mission is to carefully guide you through the entire mortgage loan process,  so that you feel confident as you make choices about the many options available for your financing strategy.


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Michigan Mortgage Lenders Association

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At Mortgage 1 Inc., my focus is on getting you the right loan and the right terms to fit your situation. A mortgage is a big commitment and you need an experienced professional guiding you through the process, answering your questions so that you’ll know with confidence that you made the right choice. Call Me, I will Listen...586-612-5001.