First-time buyer explainer

Explain the mortgage process in plain English for a nervous first-time buyer.

Last tested 2026-10-19 Its example inputs were run through Claude Haiku 5.5, and an AI judge (Jev) scored the reply 73/100 for following the rules and doing the task.

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Example output

I wrote this by hand on 2026-10-19 from the made-up inputs below, to show what a good result looks like. Your results will vary, so read every draft before you use it.

CopySubject: Buying your first home, step by step

Hi [Name],

Here's how it works, in order.

1. Pre-approval: I look at your income, savings, credit, and debts, and tell you roughly what you can borrow.
2. House hunting: you make offers with your pre-approval letter in hand.
3. Underwriting: once an offer is accepted, the lender verifies everything and orders an appraisal.
4. Closing: you sign the final papers, and you get the keys.

Your questions:
Do I need perfect credit? No. Different loan programs have different credit requirements, and we'll look at which ones fit you.
How long does it take? From accepted offer to closing, it often takes about a month, but it depends on the loan and the contract.
What's closing? It's the meeting where you sign the loan and purchase documents and pay your closing costs.

To gather now: two recent pay stubs, two years of W-2s, and two months of bank statements.

We'll go over your actual numbers together.

[Name], [Company], NMLS #[number], Equal Housing Lender

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