Atlantic Bay’s First-Time Homebuyer Hub
The journey to a new home starts with the first step. SmartPath™ to Homeownership is the essential resource for homebuyers in all communities during one of life's biggest purchases. Designed with first-time homebuyers in mind, SmartPath™ offers a broad range of home loans, dedicated services, and a tailor-made roadmap—all in one place. Don’t stress about finding the right mortgage fit on your own; Atlantic Bay has the solution for you!
First-Time Homebuyer Stats
The average first-time
homebuyer is 35 years old.32% of all homebuyers are
purchasing for the first time.We closed 5,909 loans for first-time
homebuyers in 2023.*Of our total purchase loan applicants in 2023, 45% were first-time homebuyers.*
*Based on data obtained from Atlantic Bay Mortgage Group’s Home Mortgage Disclosure Act Loan Application Register and internal metrics for the purchase of a primary residence secured by a first lien as of year-end 12-31-2023.
Want to Buy a Home? Not Sure Where to Start?
Buying a home is a big deal. It's only natural to want to feel prepared for the (exciting) road ahead. Download the First-Time Homebuyer Survival Guide and start your journey with proven expert insights and tips.
Simplifying Your Path Home
*A pre-approval is not a guarantee of a final loan approval. Any material change to credit worthiness, employment status, or financial position may impact final loan approval. All loans subject to satisfactory appraisal, clear property title, and final credit approval.
Tools and Resources
at Your Fingertips
Explore our catalog of
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Atlantic Bay Launches $2,000 Grant Program for First-Time Homebuyers
Read moreDesigned to empower first-time homebuyers by easing the financial barriers to homeownership.
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Mortgage Calculator
Run the NumbersCarry the one…divide by…
Use our mortgage calculator to estimate your mortgage costs without the hassle of counting on your fingers.
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First-Time Homebuyer Survival Guide
Download the Survival GuideWe invite you to use this survival guide throughout the entire homebuying process—from start to finish and beyond!
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Homeownership Is Within Reach
Read these tips to get closer to achieving your homeownership dreams!Read More![]()
The Hidden Costs of Homeownership
Put on your detective cap and solve the mystery of homeownership's hidden fees.Read More![]()
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Lock and Look: Secure Your Rate Before You Find Your Home
Lock and Look keeps your interest rate safe while you shop.Read More![]()
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7 Tips to Help Your Mortgage Banker Help You
Try our seven tips to help your Mortgage Banker help you!Read More
Pre-Approvals Hit Different at Atlantic Bay
Picture this: You're ready to shop for homes, but the competition is fierce, inventory is low, and time is running short. Imagine having a way to stand out to sellers with a pre-approval that shows exactly what you can afford before you even start home shopping. Enter our Fast Track Buyer Advantage program…
Availability of TBD upfront underwriting is dependent on individual client scenario. A pre-approval is not a guarantee of a final loan approval. Any material change to credit worthiness, employment status, or financial position may impact final loan approval. All loans subject to satisfactory appraisal, clear property title, and final credit approval.
What can you afford?
That’s All Fantastic!
So, What’s Next?
Your journey to a new home starts with the first step. Click below to get in touch with an Atlantic Bay professional near you.