First Time Home Buyer Programs
Special programs designed to help first-time buyers overcome common hurdles and achieve homeownership. Get expert guidance and access to programs with low down payments and flexible requirements.
Buying your first home is an exciting milestone, but it can also feel overwhelming. That's where we come in. We specialize in helping first-time homebuyers navigate the mortgage process, understand their options, and find the perfect loan program to make homeownership a reality.
First-Time Buyer Advantages
Low Down Payments
Many first-time buyer programs require as little as 0% down, making homeownership accessible immediately.
Flexible Credit
Programs designed with first-time buyers in mind often have more flexible credit requirements.
Down Payment Assistance
Many states and local programs offer grants or low-interest loans to help with down payments and closing costs.
Education & Support
Access to homebuyer education courses and dedicated support throughout the entire process.
Our In-House Down Payment Assistance Program
Perfect for First-Time Buyers - 100% Financing with 0% Down
As a first-time homebuyer, the biggest challenge is often saving for a down payment. Our exclusive down payment assistance loan program eliminates this barrier entirely by providing you with 100% financing through a 1st and 2nd mortgage structure. You can purchase your first home with zero down payment (closing costs still required).
Zero Down Payment Required
Purchase your first home with 0% down through our dual mortgage structure
Compatible with FHA Loans
Combine with FHA financing for the best first-time buyer benefits
No Income Limits
Available to all first-time buyers regardless of income level
Flexible Credit Requirements
Lower credit scores accepted - perfect for building your credit history
Lower Mortgage Insurance
Enjoy reduced mortgage insurance adjustments to keep payments affordable
Competitive Rates
10-year term on 2nd mortgage with competitive interest rates
How Our DPA Program Works
We provide a 2nd mortgage covering up to 3.5% of the lesser of your home's sales price or appraised value, completely eliminating your down payment requirement. The 2nd mortgage has a 10-year term with a competitive interest rate. This program is specifically designed for first-time homebuyers who want to achieve homeownership without spending years saving for a down payment.
Additional First-Time Buyer Programs
- FHA Loans:3.5% down payment with credit scores as low as 580. Great for buyers with limited savings or imperfect credit.
- Conventional 97:Put down just 3% on a conventional loan. Available for qualifying first-time buyers.
- VA Loans:If you're a veteran or active military, enjoy 0% down and no mortgage insurance.
- USDA Loans:0% down for eligible rural and suburban properties with flexible income requirements.
- State & Local Programs:Many areas offer special assistance programs with grants, low-interest loans, or tax credits for first-time buyers.
The First-Time Homebuyer Journey
Get Pre-Approved
Know your budget and show sellers you're a serious buyer.
Find Your Home
Work with a real estate agent to find the perfect property.
Make an Offer
Submit a competitive offer backed by your pre-approval.
Close on Your Home
Complete the final paperwork and get the keys to your new home!
We're Here to Help
Buying your first home doesn't have to be complicated. Our team specializes in working with first-time buyers, explaining every step, answering your questions, and finding the best program for your unique situation. Let's make your homeownership dreams a reality.