First-Time Buyer Programs

In the past, being a first-time buyer was a lot bigger deal than it is today. There are limited programs that don't allow FTB's (First-Time Buyers). So don't believe that you will pay a higher interest rate or that you have to settle for a less desirable program just because you're a FTB.

There are so many variables when qualifying for a mortgage that it would be impossible to list them on a website. But one thing that will help you qualify for most programs is a good rental payment and credit history as well as solid employment record. If you are currently renting and home-ownership is one of your goals, we offer a variety of programs that may be your best option. Click on "Loan Tools" on the left of the page for a collection of useful information.

What does it take to qualify for a loan?
In most cases, the underwriter needs to determine that you have the ability and willingness to repay the loan and that your application is in compliance with the loan guidelines you're applying for. Logical explanation of typical credit issues that may report in your credit report as well as verifiable employment history for at least 2 years is very useful and sometimes required. There are programs that require a down payment and some that don't so be sure to look at some of the available options below.

We really make it easy to get pre-approved so give us a chance to show you how the dream of home-ownership may be for you too. Our team is available to help you by phone, online, email, fax or in person.

Looking for a no or low down-payment solution? Consider these:

  USDA Rural Development Program

  VA Programs

FHA Program

  FHA 203k Rehabilitation Program

  Section 184 Native American Guaranty Program

Reverse Mortgages

Determine your eligibility and Get Pre-Approved free of charge online or by talking to a Mortgage Banker. We have the knowledge and resources to express forward your application while maximizing your benefits. If homeownership is in your future, Get Pre-Approved today.