You've come to the right place!

New H&H Home exterior


Typically when buying a home you want to be able to put a down payment of 20% of the purchase price, but many first-time home buyer programs allow a significantly lower down payment percentage If you are a first-time home buyer who is ready to purchase a home, but don’t have the recommended 20% down payment, see if you qualify for these mortgage options:

  • Conventional mortgages
  • FHA Loans (Federal Housing Administration)
  • VA Loans (Veterans Affairs)
  • State Assistance Programs


Before you start looking for your dream home, it’s best to know what’s actually in your price range of what you can afford. When calculating your monthly mortgage payment it is important to remember to include any additional costs that could arise. Get a head start on establishing how much home you can afford by utilizing online home affordability calculators!

Community Clubhouse and Pool
New H&H home Living Room


Knowing where your credit stands before applying for a mortgage loan is very important. A good credit score is key to being approved for a loan and will determine your interest rate and loan terms. If you are buying your first home, check your credit score through your bank or where you won’t be penalized and look for opportunities to increase your score.


Many first-time home buyers make the mistake of accepting the first mortgage rate quote provided by a lender instead of taking the extra time to shop around for a better rate. As a first-time home buyer we recommend getting mortgage rates from three or more lenders, to completely weigh your options and find out which loan is best for you.


After you’ve saved your money, figured out your price range, cleaned up your credit and shopped around for the best mortgage rate it’s time to get serious and ask for a pre-approval letter from your lender. A pre-approval letter is a thorough examination of your finances that leads to a concrete number in writing of what they are willing to lend you along with their financial terms.

Information subject to change at any time. See a new home sales associate for details.

Contact Us Today

    Contact Our Internet Concierge

    An Online Sales Associate can answer any questions you may have about new homes and communities, and even schedule a virtual appointment.

    What Homebuyers Are Saying

    • Thomas & Nancy Miele

      The entire process was great due to the staff at H&H. Every week, and sometimes twice a week, we received calls about the progress of the building phases. This was great due to the fact we lived out of town.

      Read More
    • Lauren Berkey | Indigo Bay

      Love the layout with the kitchen/living room/dining room all open and the master bedroom on the first floor. Cheryl was absolutely amazing to work with. She was always here to answer any questions and meet with me as needed even during the pandemic. She helped sell me on the neighborhood and the quality of the construction.

      Read More
    • Donerine Weiss

      Love the floor plan and feel it's high value for the price. The communication by H&H representatives Kelli and Dillon was outstanding.

      Read More
    • Don and Diane Erickson

      We're very pleased with the finished build and continue to get great customer service from the entire H&H staff.

      Read More
    • Stuart & Brenda Overby

      We are pleased with the overall quality, a testament to the excellent construction manager and sales representative.

      Read More
    • Christopher & Elaine | Westgate

      From the initial planning process, to meeting deadlines in a timely manner, to the final walk-thru of our new home, H&H made our experience of purchasing a new home easy and fast.

      Read More
    • Vrablic Family

      We are really happy and love our home very much! The neighborhood is wonderful and we love the energy efficiency of our house! I highly recommend an H&H home to all of our friends... We couldn't be happier!

      Read More