What qualifies as a first-time homebuyer?

A first-time homebuyer is typically defined as someone who hasn't owned a primary residence in the past three years. This means even if you owned a home before, you may still qualify!

How much do I need for a down payment?

With our first-time homebuyer programs, you may qualify for down payments as low as 3% with conventional loans or 3.5% with FHA loans. Some programs even offer down payment assistance.

What credit score do I need?

Credit requirements vary by program. FHA loans can work with scores as low as 580, while conventional loans typically require 620 or higher. We'll help you find the best option for your situation.

First-Time Homebuyer Loans

Special programs designed to help you achieve your dream of homeownership with down payments as low as 3%.

Our Service

Is This Loan Right for You?

Buying your first home is exciting—and we make it simple. Our first-time homebuyer programs offer competitive rates, low down payment options, and personalized guidance every step of the way. We'll help you understand your options and find the perfect loan for your situation.

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First-Time Homebuyers Helped

Why Choose This Program

Key Benefits

Lower down payment requirements

More flexible credit guidelines

Access to special incentive programs

Personalized guidance through the entire process

Competitive rates for qualified homebuyers

How It Works

Your Path to Homeownership

We've streamlined the mortgage process to make it as simple as possible

Get Pre-Approved

Start with a quick pre-approval to know your budget.

Find Your Home

Shop with confidence knowing your financing is ready.

Lock Your Rate

Secure your interest rate when you find the right home for you.

Close & Move In

We handle the closing and filing details so you can focus on your new home.

Requirements

What You'll Need to Qualify

Haven't owned a home in the past 3 years (ask about exceptions)

Meet income limits for certain programs

Minimum credit score of 580 (varies by program)

Stable employment history

Complete homebuyer education (for some programs)

Requirements vary by program. Contact us to discuss your specific situation.

FAQs

First-Time Homebuyers' Questions

Get answers to the most common questions about our first-time homebuyers' program.

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Other Loan Programs

Experienced Buyers

Streamlined options for buyers upgrading, downsizing, or purchasing a second home.

Learn More

VA Loans

Zero down payment loans for veterans, active military, and eligible spouses.

Learn More

Refinancing

Lower your rate, reduce your term, or access your home's equity.

Learn More

Ready to Get Started with a First-Time Homebuyer Loan Program?

Let's discuss your options with no pressure and no obligations.

Apply Now Schedule a Free 15 Min Call