Loan option
First Time Home Buyer
Programs, assistance, and guidance to get you into your first home.
Buying your first home is a big step — and you don't have to figure it out alone. We pair low-down-payment programs with down-payment assistance (where available) and a lot of patient, plain-English education.
Depending on where you're buying, you may qualify for special first-time-buyer programs, grants, or reduced mortgage insurance. We'll find what fits.
Most of all, we'll walk you through every step so you always know what's next and why.
Who it's for
Is the First Time Home Buyer right for you?
- This is your first home purchase
- Your savings are still growing
- You're building credit
- You want someone to guide you through it
Good to know
Common questions
How much do I need to save?
Less than most people think — some programs start at 3% (or even 0% for VA/USDA). We'll show you the real number for your situation.
What credit score do I need?
There's no single magic number. Several programs are flexible, and we can give you a clear path to qualify even if your credit is still building.
What is down-payment assistance?
Grants or second loans that help cover your down payment and/or closing costs. Availability depends on your area and program — we'll check what you qualify for.
Ready to explore the First Time Home Buyer?
Apply in minutes or get a no-obligation quote — and a licensed loan officer will tailor it to you.