Mortgage Broker License Number: MB2709

We Want to Help You!

Buying Your First Home Can Seem Overwhelming

Let’s make homeownership a reality for you!

The team at Right Trac Financial is dedicated to helping potential first-time home buyers just like you, purchase their first home. Issues like down payment, closing costs, credit challenges, and income can get in the way, but working with someone that understands can make the process easier and less intimidating.

Make home ownership a reality for your family!

Make home ownership a reality for your family!

Being a first-time home buyer can be intimidating, but you are not alone, we have worked with thousands of buyers.

As a potential first-time homeowner, it can seem like the odds are stacked against you. We will even out the playing field and make sure the odds are not stacked against you.

The home loan process is complex

Without the right guidance, the loan application process can seem impossible, but you are not alone! We’re here to help you through the ins and outs of the home loan mortgage process. Don’t let your fears stand in your way – Renting is never a good option!

Too few homes that often seem too expensive

Let’s go over the math:

Rents continue to rise and will continue to move upward in the future, so buying is a much better investment for you. Besides the pride of ownership, don’t forget about the tax benefits!

With limited inventory comes higher costs. Homes are selling at record prices, making it more difficult for first-time homeowners, particularly those with a limited budget, to purchase their dream home. Have you considered buying a 2-3-4 family home and letting your tenant help pay your mortgage?

Limited money to put down

Many first-time homeowners let the fear of a large down payment stop them from pursuing home ownership. The truth is there are hundreds of towns across America where you don’t need a down payment to own a home. USDA Mortgages with NO money down, VA mortgages require NO money down, FHA mortgages require as little as 3.5% down and conventional mortgages require 5% down! Let us coach you through down payment questions.


Credit Challenges

Even with less than stellar credit you can still get approved for a mortgage. We offer credit counseling and will work with you to understand your credit situation and find the best solution for you. You don’t have to hire someone, paying hundreds of dollars to fix credit issues, let us coach you!

Just so you know, an FHA loan can be done for folks who have credit scores as low as 500, keep in mind, with lower credit scores, the down payment and interest rate will be higher.

In some cases, the best course of action might be to create a plan to improve your credit score over several months, putting you in the best position to buy a home without straining your financial situation. We’ll coach you on the steps that you need to take to get you in the best position to secure a mortgage for your new home.

No Credit Scores

Homebuyers sometimes have no credit, but that shouldn’t stop you from obtaining a mortgage that will improve your life. If you have sufficient income but no credit, alternative credit can be the solution to secure your home loan. Alternative credit such as cell phone bills, gym memberships, car insurance, etc. So, getting a mortgage with no credit scores is doable for sure!

Buy a fixer-upper or remodel

One way we’re consistently able to help first-time home owners with a limited budget to find a home is by helping them buy homes that need repairs or renovations. An FHA 203K loan is available for these homes. Finding a home that others avoid can often create immediate equity after the repairs are completed. Let’s talk about these possibilities. Also keep in mind that VA and conventional renovation loans are also available.

The bottom line is:

We are Here to Help You Buy a Home.

The team at Right Trac Financial believes everyone should be able to live the American Dream of home ownership. We want you to find your perfect home. And that means finding the right first time home loan for you.

For more than over 40  years, the team at Right Trac Financial has been dedicated to providing extraordinary mortgage solutions.

Read testimonials from our hundreds of satisfied clients.

First-Time Home Buyer Mortgage Advisory Services

We do more than find loans. We offer a range of mortgage advisory services to help you improve your financial situation and find the right home loan mortgage solution for you.

We can help:

  • Create a  plan - Get your finances in order and find the right solution for you. We’ll work with you to get your financial house in order, buy a home, and put you on the  “Righttrac” to a secure financial future.
  • Simplify the Buying Process – We specialize in helping first-time home owners like you understand the ins and out of the home buying and loan process. You’ll have a team of dedicated professionals devoted to guiding you through the home loan process. We’ll work with you to identify and submit all the right paperwork and take the stress out of the loan process.

We Solve Problems!


Don’t wait another day to get approved for a home loan.

Contact Right Trac Financial Group, Inc today to make home ownership a reality!

Right Trac Financial Group
110 Main Street
Manchester, CT 06042
Phone: (860) 647-7701

Right Trac Financial Group Trac Financial Group, Inc.
Mortgage Broker License Number: NMLS#2709
Right Trac Financial Group, Inc. is licensed in the following states:
Connecticut: Correspondent Mortgage Lender License/MCL-2709 - acting as a MORTGAGE BROKER ONLY, NOT A LENDER OR A CORRESPONDENT MORTGAGE LENDER.
Florida: Mortgage Broker License/MBR4255
Massachusetts: Mortgage Broker License/MB2709 - We arrange but do not  make loans.
New York: Mortgage Broker Registration/RMB 015416 - Loans Arranged by  Third Parties.
Verify our licenses at  NMLS # 2709.