Frequently Asked
Questions

You’re in the right place! We work with first-time buyers all the time and love helping families take that first big step. We’ll walk you through everything — from picking the right home to financing and move-in day — no pressure, no confusion. Just real help.

Typically, lenders will ask for proof of income, a valid ID, and your Social Security number. In some cases, they may also ask for employment verification or past tax returns. We’ll walk you through every step and help you gather what you need.

Of course! We’d love to chat, answer your questions, and help however we can — no pressure at all. 📞 (256) 831-1642 📧 megan@oxfordhousinginc.com

At first when you initially apply, all you need is your driver's license or a valid photo ID. Later on after approval, you’ll typically need the following: Proof of income (recent pay stubs, W-2s, or tax returns) Social Security number Proof of residence (a utility bill or rental agreement can work) Depending on the lender, they may ask for additional documents, but don’t worry — we’ll walk you through the entire process and help you gather everything you need. We’re here to make it simple and stress-free.

It depends on a few factors, like financing approval, home availability, and site preparation. But in many cases, you could be in your new home in as little as 6-12 weeks. We’ll give you a realistic timeline upfront and keep you updated every step of the way.