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First Time Homebuyers

Start your journey with flexible, affordable loan options built just for first-time buyers.

Buying your first home is a big milestone, and it’s easier when you have the right support and options. First-time homebuyer programs are designed to make the process more affordable with lower down payments, flexible credit requirements, and access to grants or assistance. Whether you’re just starting to explore or already searching for homes, we can help you feel confident about your next steps.

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First Time Homebuyer Loans Are Good For:

These loans are ideal for first time homebuyers, whether you’re currently renting, living with others, or in a transitional housing situation. They’re a strong option for anyone with limited credit history or down payment savings, and they pair well with assistance programs or low-interest, fixed-rate financing.

First Time Homebuyer Loan Details

Talking to a licensed Loan Officer is the first step to getting the right mortgage loan. Everyone has different loan needs and qualifications, and your Loan Officer will know which questions to ask in order to best match you with the right loan and monthly payment that you qualify for.

Many first-time buyer programs require just 3 to 3.5 percent down. Assistance programs can help cover down payment and closing costs through grants, forgivable loans, or second mortgages, depending on eligibility and location.

Programs often allow lower credit scores or alternative credit history. Income limits may apply depending on the loan program or assistance you’re using. Homebuyer education is often required to help you prepare for long-term success.

With so many options, it’s important to choose the loan that aligns with your income, goals, and timeline. A loan officer can walk you through the details, show you what you qualify for, and connect you to helpful local resources.

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Secure your First Time Homebuyer Loan At One of Our Branches

You only buy your first home once, make sure you have a team who understands what matters. From pre-approval to closing, we’ll guide you every step of the way and help make the experience smooth and exciting. Contact a local loan officer today to get started.

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Ready to get Started?

Did you know that in the time it took you to read this page, you could already be pre-approved? Take the first step to getting your new home.

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