First Time Home Buyer Programs built to get you in.

Programs and people built for buying your first home.

First-time buyers face a specific set of decisions that repeat buyers don't: how much to save, what loan program fits, when to buy, what closing actually looks like. We've walked plenty of people through it — the steps are repeatable, and you don't have to know them in advance.

Start with a free pre-qualification. It costs nothing, gets you a real budget, and shows sellers you're serious when you make an offer.

Loan programs first-time buyers usually consider

30-year fixed

The default for most first-time buyers. Predictable payment, the lowest monthly cost of any common term, and zero surprise from rate changes.

FHA loan

3.5% down, flexible credit standards. Often the right choice when down-payment savings are tight or your credit history is still building.

VA loan

$0 down, no PMI, competitive rates — if you've served. Among the strongest mortgage benefits available.

USDA loan

$0 down for buyers in eligible (often suburban) zip codes who fall within program income limits.

Conventional with low down payment

3% down conventional financing is available for qualified first-time buyers. Mortgage insurance applies but can fall off once you reach 20% equity.

What first-time buyers ask us most

• "How much house can I afford?" — depends on your income, debts, credit, and down-payment savings. We can model it in 15 minutes.
• "What credit score do I need?" — 580 for FHA, 620 for most conventional, 640+ for the best rates.
• "How much do I need to save?" — down payment plus closing costs (typically 2–5% of purchase price). Lower with FHA, $0 with VA or USDA.
• "What does closing actually look like?" — about 30–45 days from accepted offer to keys, six or seven document requests in between.

A pre-approval is the right first step — free, no obligation, and it gives you a real budget to shop with. Request a quote or talk to a loan officer and we'll walk you through it.

Get started today!

Tell us a little about your situation and we'll send personalized loan options within one business day.