First Time Home Buyer
First time home buyers typically have a lot of questions and we love to help!
First time home buyer programs help make homeownership more affordable for people who haven’t ever owned a home (or haven’t owned a home in some time). Multiple programs are available that usually include a home loan with a better interest rate, a lower down payment requirement and other upsides like down payment and closing costs assistance.
Who is a First Time Home Buyer?
The official definition of a first time home buyer may be broader than you think. According to the US Department of Housing and Urban Development (HUD) the definition is someone who has:
- Never purchased a home
- Not purchased a home within the past three years
- Only owned a home with a former spouse and is now a single parent or displaced homemaker
There’s a lot to think about when buying a house – and it’s normal to have questions, especially if you are a first time home buyer.
Maybe you want to change your term or lower your payment or payoff your loan faster. A rate and term mortgage could be your key to both.
Finding a great home loan involves careful consideration of your needs, finances and history. We are here to guide you.
Frequently Asked Questions
With an FHA loan, you can qualify with a credit score as low as 580.  USDA, VA and Conventional loans generally require a credit score of 620 or higher.
Yes, we offer multiple Down Payment Assistance programs.Â
A Pre-Qualification is an informal estimate of what you might qualify for based on unverified information.
A Pre-Approval is a formal commitment after reviewing your credit, income, and assets.
We have the experience, the social track record, and access to the right resources to get loans done.
Ready to Buy or Refinance?
Take Our 60 Second Smart Homebuyer Quiz To Find Out How Much You May Qualify For
- Work With a Local Mortgage Expert
- Competitive Rates & Fees
- (404) 303-7411
What Our Customers Say
Let's Find a Loan That's Right For You
Whether you are buying a new home, getting cash from your home’s equity, seeking a more affordable payment, or want to pay off your home loan sooner, our mortgage professionals explain your options simply and clearly — and offer you competitive rates and terms to help you save.
Our mission is to help give you the smartest path for homeownership, regardless of your starting point.
Dream it, Mortgage, and Make It Real
Loan programs, along with 100% financing options from Buckhead Home Loans aimed to make homeownership achievable. Â
Experience Homeownership with Ease
Personalized, low-pressure, action-oriented, focused on building trust while guiding clients toward the next step
1. Complete Your Application
Applicants can start online or over the phone to determine affordability.
2. Become a Certified Home Buyer
Once the loan application is received, your loan officer will review your loan options. Â
3. Time for Processing
A processor verifies information, orders the appraisal, title report, and homeowners insurance.Â
4. Closing on Your New Home
Once the loan is cleared to close, the loan documents are sent to the title company for signing.Â