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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

Low Down Payment Options

Down Payment Assistance

Closing Cost Coverage

Competitive Interest Rates

Flexible Credit Guidelines

Federal Tax Credits

Frequently Asked Questions

Conventional loans start at 3% down, and FHA loans require 3.5%.  If you are a Veteran or buying in a rural area, VA and USDA loans offer 0% down.  

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. 

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.

A homeownership education course is a fantastic resource that will walk you through how to buy a house.

Lenders recommend – and some loans require – that you enroll in such a class.

Here is what you can expect to tackle in a first-time home buyers class:

  • Whether you’re ready for homeownership
  • Budgeting and managing your money
  • Assessing your creditworthiness
  • Deciding the type of home that you can afford
  • Programs that can help you buy your first home
  • Helping you compare different types of mortgages and lenders

Free homeownership education courses from 4 to 8 hours. Online courses are usually self-paced and can typically take 1 – 2 days to complete.

Ready to Buy or Refinance a Home?

Take Our 60 Second Smart Homebuyer Quiz To Find Out How Much You May Qualify For

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.

  • Helping Turn Dreams Into Realties Since 1998

We have the experience, the social track record, and access to the right resources to get loans done.

  • Flexible Rates & Low Fees

The key to our success has been a combination of consistently offering the lowest possible rates and above all providing outstanding customer service. We take pride in treating our clients with honesty and integrity.