Confident, Clear, and Exciting Homeownership Starts Here
Buying your first home is a big deal. It’s exciting. It’s emotional. And yeah—it can be a little overwhelming, too. That’s why at Patrick “McCabe Mortgage”, we don’t just process loans—we walk you through the entire journey with clarity, honesty, and a whole lot of support.
If you’re a first-time buyer in California—especially here in the Inland Empire—we’re your local go-to team for friendly advice, flexible loan options, and personalized strategies that fit you, not just the numbers.
We believe that your first mortgage should feel empowering, not intimidating—and we’re here to make that happen.
Welcome to mccabemortgage.net!
Sign Up for Our Newsletter
Be the first to know about our launch and receive exclusive updates from mccabemortgage.net. Sign up for our newsletter today!
Follow Us on Social Media
Stay connected with us on social media for sneak peeks, behind-the-scenes looks, and more. Follow us on all our platforms today!
Get a Sneak Peek
Want to be one of the first to see what we're working on? Sign up for early access and get a sneak peek of our new website!
Join Our Team
We're always looking for talented individuals to join our team. Check out our career opportunities today and see if we're a good fit for you!
Contact Us
Have questions or comments? We'd love to hear from you. Contact us today and we'll get back to you as soon as possible.
Learn More About mccabemortgage.net
Want to know more about our business? Check out our About Us page for more information about our mission, values, and team.
What’s Considered a First-Time Home Buyer?
Spoiler alert: It might be you—even if you’ve owned a home before.
The general definition of a first-time home buyer is:
- Someone who hasn’t owned a primary residence in the last three years
- A person who has never owned a home
- A former homeowner who owned with a spouse but is now purchasing solo
- Someone who has only owned property that wasn’t permanently affixed to a foundation (like a mobile home)
If you think you might qualify, we’ll help you confirm your eligibility and explore every program and perk available to you.
What to Expect: The Home Buying Process
1. Pre-Approval
2. Home Shopping
We’ll analyze your income, debt, credit, and goals to determine your buying power. This makes your offer stronger and shows sellers you mean business.
2. Home Shopping
2. Home Shopping
You’ll partner with a real estate agent (we can connect you with trusted local pros if needed) and start the fun part—house hunting!
3. Offer + Contract
We’ll guide you through offer strategy and communicate with your realtor to make sure financing timelines are clear and realistic.
4. Underwriting + Appraisal
4. Underwriting + Appraisal
We submit your loan, collect required documents, and keep things moving smoothly behind the scenes.
5. Clear to Close
4. Underwriting + Appraisal
5. Clear to Close
Final documents are signed. Keys are handed over. You're officially a homeowner.
Why First-Time Buyers Choose the Patrick McCabe Mortgage Tea
We’re not a big-box bank, and we’re not a faceless website. We’re real people who care about helping you succeed—without the stress, confusion, or pressure.
Here’s how we stand out:
- Education First: We break things down in plain English so you know exactly what you’re signing.
- No Surprises: We prepare you for every step so you’re never blindsided by fees, documents, or timelines.
- Local + Personable: You’ll always work with a real person—someone who picks up the phone and knows your name.
- Custom Strategies: We don’t just quote a rate—we help you plan for long-term affordability and success.
We’re in this for the long haul, not just the loan.