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14 forms found in the DOM

POST /api/UserPreferences/UpdateZipCode

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        <span>Need Assistance?</span>
        <span>1.800.385.8664</span>
        <span>Mon-Fri: 7am-8pm, Sat: 8am-3pm</span>
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      <div class="sidebar-info-links">
        <span>Don't have an account?</span>
        <a href="https://www.fultonbankonlinebnk.com/dbank/live/app/register" aria-label="Enroll Now for Online Banking">Enroll Now</a>
        <span>Forgot Your Info?</span>
        <a href="https://www.fultonbankonlinebnk.com/dbank/live/app/authUpdate" aria-label="Recover">Recover</a>
        <a href="https://www.fultonbank.com/password-reset-demo" aria-label="Password Reset Demo">Password Reset Demo</a>
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---

POST https://www.fultonbankonlinebnk.com/auth-olb/live/v1/remote-login

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  <div class="button-area">
    <div class="left-side">
      <div class="sidebar-info-section">
        <span>Need Assistance?</span>
        <span>1.800.385.8664</span>
        <span>Mon-Fri: 7am-8pm, Sat: 8am-3pm</span>
      </div>
      <div class="sidebar-info-links">
        <span>Don't have an account?</span>
        <a href="https://www.fultonbankonlinebnk.com/dbank/live/app/bb/register" aria-label="Register Now for Small Business Online Banking">Register Now</a>
        <span>Forgot Your Info?</span>
        <a href="https://www.fultonbankonlinebnk.com/dbank/live/app/authUpdate" aria-label="Recover">Recover</a>
        <a href="https://www.fultonbankonlinebnk.com/bridge/disclosures/bb/disclose.html" aria-label="Terms of Service">Terms of Service</a>
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---

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---

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---

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---

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---

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---

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---

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Home / Personal / Mortgages / First-Time Homebuyers


FIRST-TIME HOMEBUYERS

The path to your new home.

Buying your first home can be a dream come true, but it can be a challenging
journey for the unprepared buyer. When it's time to make your move, our mortgage
professionals are here to help you every step of the way.

As a first-time homebuyer, you may not be aware of the many programs designed to
help save you money including programs like:

 * Low down payment programs
 * Fulton Bank Community Combo
 * Federal Housing Administration (FHA), U.S. Department of Veterans Affairs
   (VA) and U.S. Department of Agriculture (USDA) government loans
 * State and Local housing finance agency programs
 * Closing cost and down payment assistance loans and grants
 * Homebuyer Advantage Plus® Mortgage, our exclusive program
 * HomeReady® Mortgage Plus

THE BENEFITS OF OWNING YOUR OWN HOME.

Buying a home is one of the most significant purchases you'll ever make. Home
ownership offers you a range of benefits:

 * Build equity. Over time, you can build equity aka value that you can use to
   pay for things like home improvements, debt consolidation and education
   expenses
 * Tax advantages. You may save money by deducting mortgage interest and
   property taxes1
 * Create value. Your home may appreciate in value over time
 * Freedom. It's your home and you can do what you like with it to reflect your
   lifestyle

DETERMINING HOW MUCH HOME YOU CAN AFFORD. 

Everyone has an idea of a comfortable housing payment they can afford. This,
combined with a review of your personal financial situation, will provide
guidance to the home buying process. Having the option of choosing from so many
mortgage products means that you have a great opportunity to buy the home you
want, with monthly payments you can afford.




THE MORTGAGE APPLICATION PROCESS

STEP 1 - GET PRE-QUALIFIED

 * Your fulton mortgage company loan officer will help determine how much you
   can afford and what mortgage programs work best for you

STEP 2 - SEARCH FOR YOUR DREAM HOME

 * Along with your realtor get out there to find your new home
 * Continue to maintain good credit and check with your loan officer about any
   financial decisions that may affect your pre-qualification
 * Work with your loan officer to customize a home financing plan for the home
   you want

STEP 3 - MAKE AN OFFER WITH YOUR REALTOR

 * Work with your realtor to get an accepted offer

STEP 4 - MAKE A FULL LOAN APPLICATION

 * Once a contract is accepted, reach out to your loan officer to set up home
   financing
 * Provide all required documents in a timely fashion
 * Your loan officer will order an appraisal
 * Select a closing agent to handle your title services and closing

STEP 5 - APPLICATION APPROVAL

 * Our processors and underwriters will work to formally approve your loan
 * Provide any additional items that may be requested
 * Shop around and obtain homeowners insurance for your new home

STEP 6 - SETTLE ON YOUR NEW HOME

 * Meet at the settlement table to sign on the dotted line and walk away with
   the keys to your new home!


EDUCATIONAL HOMEBUYING COURSE

Framework® is educational resource that can help you understand important steps
you may need to take as you buy a new home. It's accepted by most first-time
homebuyer incentives that require education.

View Course



HOMEBUYER ADVANTAGE PLUS

View our printer-friendly product PDF to learn more about our Homebuyer
Advantage Plus mortgage.

Download PDF



HOMEREADY MORTGAGE PLUS

Download our printer-friendly PDF to learn more about our HomeReady Mortgage
Plus program which offers up to 97% financing.

Download PDF


CONTACT A MORTGAGE PROFESSIONAL

Contact a mortgage professional. We're in your neighborhood!

Let's get started

Visit Us Locate a branch near you Branch Locator Visit Us Locate a branch near
you Branch Locator Message Us Visit the contact us page Contact Form Message Us
Visit the contact us page Contact Form Call Us 1-800-385-8664 Phone Directory
Call Us 1-800-385-8664 Phone Directory Schedule Meeting Book an Appointment
Appointment Form Schedule Meeting Book an Appointment Appointment Form
Important Disclosures

1 Consult a tax advisor.

Subject to credit approval. Available to individuals who have not owned a home
in the past three (3) years; exceptions for displaced homeowners. Eligibility
requirements are subject to change.

At certain places on this site, you may find links to web sites operated by or
under the control of third parties. Fulton Financial Corporation or any of its
subsidiaries, including Fulton Bank, N.A. (which operated as the following:
Fulton Financial Advisors, Fulton Leasing Company, Fulton Private Bank, and
Fulton Mortgage Company) do not endorse, approve, certify, or control those
external sites and do not guarantee the accuracy or completeness of the
information contained on those web sites. Fulton Financial Corporation or its
subsidiaries may not be affiliated with organizations or third parties mentioned
on the page.

Fulton Bank, N.A. Member FDIC.

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FULTON FORWARD®

Like you, we believe in paying it forward. Change adds up. To help make our
communities better for our neighbors, our friends, our customers, and ourselves,
we need to be part of the change. That's the essence of our Fulton
Forward initiative.

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