First-Time Homebuyer Guide
Buying your first home is exciting—and we're here to make it simple. Get expert guidance every step of the way.
First-Time Buyer Benefits
Special programs and support designed for first-time homebuyers
Low Down Payments
Put down as little as 3% with conventional loans or 3.5% with FHA.
Special Programs
Access down payment assistance and first-time buyer programs.
Expert Guidance
Our team specializes in helping first-time buyers navigate the process.
Educational Resources
Free guides and tools to help you make informed decisions.
Your Homebuying Roadmap
Follow these steps to navigate the homebuying process with confidence
Check Your Credit
Review your credit report and address any issues before applying.
Determine Your Budget
Use our calculator to see how much home you can afford.
Get Pre-Approved
Know your buying power before you start shopping.
Find Your Home
Work with a real estate agent to find the right property.
Make an Offer
Submit a competitive offer with your pre-approval letter.
Close & Move In
Complete the paperwork and get the keys to your new home.
Loan Options for First-Time Buyers
Compare programs designed for first-time homebuyers
Conventional Loans
Traditional financing with competitive rates and flexible terms.
Down Payment
As low as 3%
Credit Score
620+
FHA Loans
Government-backed loans with more lenient credit requirements.
Down Payment
As low as 3.5%
Credit Score
580+
VA Loans
Exclusive benefits for veterans and military members.
Down Payment
0%
Credit Score
No minimum
USDA Loans
Zero down payment for eligible rural and suburban areas.
Down Payment
0%
Credit Score
640+
Down Payment Assistance
Many first-time buyers qualify for down payment assistance programs that can help cover your down payment and closing costs. These programs vary by state and locality.
Check Your EligibilityFirst-Time Buyer FAQs
Common questions from first-time homebuyers
Ready to buy your first home?
Get personalized guidance and find the right loan for your situation.