Buyer’s Blueprint

EXPERT GUIDANCE FOR EVERY BUYER

William Close Group has specialized experience with first-time buyers, VA loans, and investment properties.

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Brick courtyard patio beneath a wooden pergola, furnished with an outdoor dining set and surrounded by flowers.

First-Time Home Buyers

Buying your first home doesn’t have to be overwhelming. We’re here to simplify the process and help you make confident decisions.

Roadmap to Homeownership

1
Step 1: Define Your Budget
2
Step 2: Get Pre-Approved
3
Step 3: Identify Your Priorities
4
Step 4: Start Touring Homes
5
Step 5: Make an Offer
6
Step 6: Close on Your Dream Home

Step 1: Define Your Budget

Use our mortgage calculator or talk to a loan officer to determine what you can afford.

Large house with a stone front gable, covered porch, and landscaped lawn with a curved walkway.

Step 2: Get Pre-Approved

Learn why pre-approval is crucial and how it strengthens your offer.

Double-height living room with tall black-framed windows, neutral seating, and a lit fireplace.

Step 3: Identify Your Priorities

Make a list of must-haves (location, size, features) and nice-to-haves.

Gray-sided house with dark trim, dormer windows, and a covered porch framed by mature trees.

Step 4: Start Touring Homes

Schedule tours and use our interactive property search tool to narrow down your options.

Bright kitchen with a white island, upholstered stools, brass fixtures, and a custom range hood.

Step 5: Make an Offer

Understand the components of an offer and how we negotiate on your behalf.

Gray two-story house with a columned front porch, flowering gardens, and a broad lawn.

Step 6: Close on Your Dream Home

Navigate closing day with confidence as we guide you through the paperwork and final steps. Our team has skilled Transaction Coordinators that assist our agents to prevent any delays and keep the home buying process as smoothly as possible.

Kitchen with light wood cabinets, marble countertop, herringbone tile backsplash, and ceramic countertop decor.

FAQ

The amount you need for a down payment depends on the type of loan you choose. While 20% is often mentioned, many programs allow for lower down payments, such as:

  • FHA loans: As little as 3.5%.

  • Conventional loans: 3% to 5% for first-time buyers.

  • VA or USDA loans: 0% for qualified buyers.

My team and I will help you explore options and work with Maddox Mortgage Group to find a loan that fits your budget.

Getting pre-approved is an essential first step, and having the right documents ready will streamline the process. Typically, lenders will ask for:

  • Proof of income: Recent pay stubs, W-2s, or tax returns.

  • Proof of assets: Bank statements, investment accounts, or gift letters.

  • Credit history: A credit report to evaluate your score and financial habits.

  • Identification: A valid photo ID (e.g., driver’s license or passport).
    The Maddox Mortgage Group will guide you through the process, ensuring nothing is overlooked.

The U.S. Capitol and autumn trees reflected in a pool, with statues along the grounds.

Veterans Buyers

VA Loan Benefits Explained

1
No Down Payment Required
2
Competitive Interest Rates
3
No Private Mortgage Insurance (PMI)
4
Flexible Credit Requirements
5
Support for Disabled Veterans
6
Refinancing Options

No Down Payment Required

Buy a home with 0% down, making homeownership more accessible.

Dining area with a glass table, brown leather chairs, and a large window overlooking trees.

Competitive Interest Rates

VA loans often offer lower rates compared to conventional loans.

Tudor-style house with brick and stucco exterior, landscaped lawn, and curved driveway.

No Private Mortgage Insurance (PMI)

Save money by eliminating monthly PMI payments.

Large tan house with stone accents, multiple gables, and a landscaped front yard.

Flexible Credit Requirements

VA loans are designed to accommodate a wide range of credit scores.

Bright living room with a fireplace, white seating, wooden coffee table, and large potted tree.

Support for Disabled Veterans

Learn about additional benefits, such as exemption from the VA funding fee.

Two-story white and brick house with a tall chimney beside a curved paver driveway.

Refinancing Options

Access lower rates or convert equity through VA loan refinancing programs.

Bright kitchen with a marble island, blue-gray cabinets, and woven bar stools.

Mortgage Calculator

Estimate your monthly mortgage payment, including the principal and interest, property taxes, and HOA. Adjust the values to generate a more accurate rate.

All estimates are provided for informational purposes only. Actual amounts may vary.
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Work With Us

We are a group of dedicated Real Estate Agents. We help each other with all aspects of the job such as writing contracts, assisting with showings, hosting open houses etc.
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Contact Details

William Close Group Realtors

Phone

(301) 404-8052

Email

[email protected]

ALEXANDRIA Office

​​​​​​​1701 DUKE ST STE 100 ALEXANDRIA VA 22314 (703) 535-3610


MCLEAN Office

1775 TYSONS BLVD STE 1450 MCLEAN VA 22102 (703) 564-4000


MIDLOTHIAN Office

15871 CITY VIEW DR STE 120 MIDLOTHIAN VA 23113 (804) 858-9000

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