01
FHA
Federal Housing Administration loan
Built for first-time buyers. Down payment as low as 3.5 percent and more flexible credit requirements than conventional. Often the right answer if your savings are modest or your credit is still building.
First-time home buyers · Northern Virginia
Your first home in Northern Virginia. I'll walk you through it.
Tareq Maayta. Mortgage loan officer in Annandale, working with buyers across Alexandria, Fairfax, and the surrounding area. In the business since 2014. Plain numbers, real programs, no rate-quote runaround.
NMLS# 1443073
In the business since2014
Backed byFinance USA Corporation
ProgramsFHA · Conventional · VA · VHDA
Start here
What brings you here?
First-time buyers are who I'm known for. It's not all I do. Pick the one that sounds like you.
- Buying my first home
The whole process, walked through.
- Buying a home
Conventional, FHA, VA, jumbo, and more.
- Refinancing
Lower the rate, change the term, pull cash.
- Self-employed
Qualify on deposits, not just tax returns.
- Investing in property
Qualify a rental on its own income.
- I'm a veteran
Use the loan you earned.
01 · Who I am
Tareq Maayta
I help people buy their first home in Northern Virginia. I started in this business in 2014 and I still review every pre-approval personally.
I came up through the loan process from the inside, starting as a processor at Finance USA Corporation and working up to Managing Director. Today I lead a team, and the company has helped homebuyers for more than 20 years. When we work together, you get straight answers about what you can actually afford and which programs you qualify for. Not a sales pitch, not a rate quote you can't use.
02 · How we work
From first call to keys.
No high-pressure consultation. No limited-time rate. You get a clear plan and an honest read on whether buying right now makes sense for you.
01
The first call
A 10 to 15 minute conversation about your situation. No paperwork yet.
02
Getting pre-approved
Send a few documents. Most pre-approvals come back same day or within 24 hours.
03
House hunting
Shop with confidence. I run the numbers on any home you're considering.
04
Under contract
Offer accepted. Appraisal, title, insurance, and underwriting all move at once.
05
Final approval and closing
Clear to Close. You sign, get the keys, and own the home.
03 · What you might qualify for
These four cover most first-time buyers.
Most first-time buyers land on one of these. They're the start of a longer list. Refinance, jumbo, loans for the self-employed and investors, reverse, and more all live on the loan programs page.
02
Conventional
Conventional loan
The best terms when you qualify. Down payment can run from 3 to 20 percent, and stronger credit usually means a better rate. The right call when your finances are in good shape.
03
VA
Veterans Affairs loan
Zero down payment and no PMI for eligible veterans, active-duty service members, and qualifying spouses. The most powerful loan available if you qualify.
04
Virginia Housing
Virginia Housing Development Authority programs
Virginia-specific. Combines first-time-buyer loans with down payment assistance grants and closing-cost help. Often pairs with FHA or conventional to bring real cash down to near zero.
04 · More than the loan
A few things I do that you might not expect.
Getting the loan is the obvious part. These are the things that actually get first-time buyers to the table.
01
Free credit analysis
If your credit isn't where it needs to be, I'll review it and identify specific moves that improve your score. No fee.
02
Trusted realtor referrals
If you don't have a real estate agent yet, I'll introduce you to local agents I've worked with. You interview them and choose.
03
Same-day pre-approval
Once I have your documents, most pre-approvals come back the same day or within 24 hours.
05 · Recent closings
Real closings go here as they happen.
Loan type, city, timeline, what changed. No first names without consent, no invented testimonials, no logo grids. When this fills up, it's because clients said yes to sharing.
Until then, the easiest way to know if this is a good fit is to talk for fifteen minutes.
Talk soon
Want to talk?
It's a 15-minute call. No paperwork, no pressure. You walk away with a clearer picture either way.