Rooted in Generations of Homeownership
Buying your first home is more than a financial transaction—it’s a milestone in your life journey. Mortgage loans are what launched Slovenian Savings & Loan in 1915 and they remain one of our primary products today. We’ve been guiding first-time homebuyers through this exciting process for generations, helping families in our community achieve the dream of homeownership.
The First-Time Homebuyer Advantage
As a first-time homebuyer, you have unique opportunities and resources available to you. Our dedicated mortgage specialists at SS&L understand these advantages and will help you navigate:
- First-time homebuyer loan programs
- Special grants and down payment assistance options
- Personalized officer to guide the process
A Step-by-Step Approach to Homeownership
The path to owning your first home may seem complex, but with SS&L as your guide, each step becomes manageable and clear.
Step 1: Prepare Your Finances
Before you start house hunting, it’s important to understand where you stand financially. At SS&L, we’ll help you:
- Review your credit report and score
- Assess your current savings and budget
- Determine how much house you can comfortably afford
- Identify areas to strengthen your financial position
Step 2: Get Pre-qualified
A mortgage pre-qualification gives you the confidence and shows sellers you’re serious. Our streamlined pre-qualification process includes:
- Personal guidance through documentation requirements
- A quick turnaround time with local decision-making
- A pre-qualified letter that strengthens your position when making offers
Step 3: Find Your Home
With pre-qualification hand, you’re ready to find the perfect home. We can:
- Answer financing questions that arise during your home search
- Assist you with the application process.
Step 4: Navigate the Purchase Process
Once you’ve found your home, we’ll guide you through the purchase process:
- Explaining closing costs and what to expect
- Coordinating with real estate agents, attorneys, and other professionals
- Preparing you for the closing day experience
Step 5: Close on Your New Home
The closing day is when you officially become a homeowner! Your SS&L mortgage specialist will:
- Review the closing disclosure with you in advance
- Explain each step of the closing process
- Be available to answer any last-minute questions
A Tradition of Trust
Since 1915, Slovenian Savings and Loan has been helping multiple generations of families achieve homeownership. We’ve guided grandparents, then their children, then their grandchildren, and now their great-grandchildren through the process of buying their first homes.
This multigenerational experience gives us unique insight into the evolving needs of homebuyers while maintaining our commitment to personalized service and community investment.
Begin Your Homeownership Journey
Ready to take the first step toward owning your home? Schedule a no-obligation consultation with one of our mortgage specialists. We’ll answer your questions, address your concerns, and help you determine if now is the right time for you to buy.
Visit any SS&L branch, call us at 814-535-7658, or send us a message. Your path to homeownership starts with a conversation!
Slovenian Savings & Loan—where first-time homebuyers become longtime neighbors.