We’ll walk you through every step of the process and help you find the right loan for your first home.
Pre-approved on day one · Licensed in all 50 states · Real humans, real fast
“Finally, someone who picked up the phone.”
“Closed in 18 days. They meant it.”
“Made it easy when I thought it would be impossible.”
Pre-approved on day one
A first-time homebuyer is someone who hasn’t owned a primary home in the last three years. That means you might qualify even if you’ve owned a home before – and you can use special programs to make your first home more affordable, with lower down payments and easier-to-qualify-for financing.
We’ll help you understand your budget, choose the right loan, and stay on track from pre-approval to closing.
We pull your Certificate of Eligibility. Active duty, veteran, or surviving spouse. Takes minutes, not days.
We compare lenders and programs so you can see the best options for your first home, not just the one we happen to offer.
Choose your loan, and we’ll handle the paperwork, appraisal, and underwriting. You’ll always know who to call.
We’ll prep you for every dollar due at closing, so the final step feels calm and predictable.
First-time buyers often have more options than they realize. We’ll help you understand which loan makes the most sense for your budget and goals.
The standard option for most buyers. Often the best fit if your credit and down payment are solid.
We'll help you find grants, low-down programs, and other ways to get into your first home sooner.
Lower down payment requirements. A common path for first-time buyers who need flexibility.
People consistently say the same things: it finally felt straightforward, they understood their options, and they weren’t treated like a number.
Just completed our refinance and it was a breeze! Megan and Jacquie are an amazing team! They are smart, hardworking, caring and knowledgeable!…
Olga G.
I had a truly wonderful experience working with HappyDog. From the very beginning, the team was professional, helpful, and prompt in guiding me through…
Jenny U.
If I could give Marci and Tori 10 stars I would! They were so friendly and easy to talk to. You can tell they enjoy helping people and that’s what makes them so good at their job!
RyAnn G.
Mike McKee, excellent service. His patience helped me to walk through the homebuying process with ease. He was available whenever I contacted him…
Althea O.
Great experience overall! Jason always kept us up to date and communicated regularly and is very good about replying quickly to questions.
AD A.
OMG!!! Mike Mckee is phenomenal…I worked with him for almost 2yrs..I had lots of issues prior to opening and he continued to reach out to me and stay in contact…
Valerie S.
HappyDog was easy to work with and highly responsive during our escrow process. I highly recommend them.
Taylor M.
Mike McKee’s professionalism and efficiency are truly impressive. He seamlessly guides clients through the lending process with his expertise…
Edward K.
Tori was amazing! She was providing several options for our budget for us to review and explained pros and cons with each option…
Rio B.
We can’t say thank you enough to vinnie, Lisa, and the whole team at happydog home loans! They made the whole process simple and straight forward…
Mariah H.
We had an absolutely amazing experience working with Happy Dog Lending while buying our first home! As first-time buyers, we had a lot of questions…
Ursula T.
Great response time, easy formatting and uploading documents. Always kind in our interactions VERY patient…
David B.
Buying your first home comes with a lot of questions. Here are the ones we hear most.
No. You can see where you stand first, with no hard credit pull. We only run a full credit check when you’re ready to move forward.
No. You’ll talk to the same person the whole way through. That’s not a nice-to-have. That’s how we work.
Every fee is tracked and explained before you get to the closing table. You’ll know exactly what you’re paying and why.
That’s fine. We can show you where you stand with no pressure to move forward. Sometimes knowing what’s possible is the first step.
Self-employed, freelance, or complicated income doesn’t mean worse options. It means you need someone who gets it. That’s us.
Takes a few minutes. No credit hit, and applying doesn’t commit you to anything.
