Loan programs · First-Time Buyers
First-Time Home Buyers
First-time buyers have a lot of questions, and we love to help. We can get you pre-qualified and find the loan program that fits your needs.
Takes about 2 minutes. A quick inquiry, not a loan application.
Who it's for
Built for first-time buyers from all walks of life.
Buying your first home is an exciting milestone, but it can feel overwhelming without the right guidance. First-time buyer programs help people from all walks of life take that first step with confidence.
Buyers with limited savings
Programs are structured for buyers who may not have large savings for a down payment.
Buyers building credit
Flexible credit qualification guidelines can help new borrowers who may not have an extensive credit history.
Buyers who want guidance
A licensed loan officer explains the application process and gives tips for your home search.
The details
How we help first-time buyers
Our loan officers guide you through every step of the loan process. Before you find your new home, we can help you get pre-qualified for free, and we can match you with a trusted real estate agent through our partner network. We work to make sure the loan payments fit your budget and your plans.
Popular loan programs for first-time buyers:
- 30-Year Fixed Rate Mortgage. Your rate will not change, so your principal-and-interest payment stays the same.
- FHA loan. Flexible qualification guidelines and lower down payment options.
- VA loan. Benefits earned through service, with no monthly PMI for those who qualify.
See all the ways we help buyers on our buying a home page.
Benefits for first-time buyers
- Loan programs with lower down payment options
- Flexible credit guidelines for new borrowers
- A start on building equity through homeownership
- Guidance and support throughout the process
How it works
One conversation. Many lenders. Your choice.
As a broker, we don’t have one loan to sell you. We compare programs across lenders and walk you through the trade-offs in plain language.
Tell us your goal
A short inquiry: what you want to do, and how to reach you.
We review your options
A licensed loan officer looks at programs across our lender network.
You choose
Compare the trade-offs side by side. No pressure to move forward.
We guide you to closing
Application, processing and underwriting, with one team keeping you updated.
Where should a first-time buyer start?
Start with a conversation and a pre-qualification. It helps you set a budget and shop with confidence.
Can you help me find a real estate agent?
Yes. We can match you with a trusted real estate agent through our partner network.
How much do I need for a down payment?
It depends on the program, the property and your situation. We’ll walk you through what each option requires.
What is the difference between pre-approval and pre-qualification?
Pre-qualification gives a general estimate based on the financial information you share. Pre-approval involves a detailed review of your income, assets and credit, which gives you a stronger position when making an offer.
How long does the mortgage process take?
It varies with the loan program and your application. Once we review your situation, a licensed loan officer will walk you through what to expect.
Compare programs
Explore other loan programs
Program availability, eligibility and guidelines vary by lender and may change without notice. All loans are subject to credit approval, underwriting guidelines and property eligibility. This is not a commitment to lend.
See what's possible for your next move.
Two minutes to tell us your goal. A licensed loan officer follows up personally.