Your First Home, Made Easy – Expert Guidance Every Step of the Way

Buying your first home is exciting, and we’re here to make it easy. From choosing the right loan to closing the deal, we’ll guide you every step of the way. Let’s make your homeownership journey smooth and stress-free.

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4 Simple Steps to Your Purchase

1. Apply Online

Complete your loan application and upload your documents right from your favorite device.

2. Chat with an Expert

After reviewing your info, we shop the best loans for your unique situation and tailor the terms for you.

3. Find Your Home

Once pre-approved, you are ready to start shopping for your perfect home. Don't worry, we're still here to any questions you may have.

4. Close Your Loan

We'll work with your real estate agent to ensure we have everything we need on your home. You'll be funded in as few as 15 days.

First-Time Homebuyer Benefits and Options

As a first-time homebuyer, you have access to unique benefits and loan options designed to make your journey smoother:

Low Down Payment Options: Secure your home with as little as 3% down.

Flexible Credit Requirements: Options available even if your credit isn’t perfect.

Down Payment Assistance Programs: Grants and loans to help cover your down payment.

FHA Loans: Government-backed loans with lower credit and income requirements.

Special Tax Credits: Potential tax savings for first-time homebuyers.

Expert Guidance: Personalized support throughout the entire buying process.

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Frequently Asked Questions

Answers to questions about this loan we heard from people like you during research.

Who Is Considered A First-Time Home Buyer?

First-time homebuyers are individuals purchasing their primary residence for the first time. There are numerous programs and grants designed to make the process more affordable for them.

Additionally, you may qualify as a first-time homebuyer if you haven’t owned a home in the past three years. Under this definition, previous homeowners can regain first-time buyer status after a certain period.

When Do You Qualify As A First-Time Home Buyer Again?

Many people don’t realize that they can still qualify as a first-time homebuyer, even if they’ve owned a home before. For instance, you may be considered a first-time homebuyer if you haven’t owned a primary residence in the past 3 years.

You might also qualify if you’re a single parent who previously bought a home with a former spouse or a displaced homemaker who has only owned a home jointly with a spouse.

Additional First-Time Home Buyer Qualifications

Here are some additional qualifications for first-time homebuyers, which can vary based on the loan type and your financial situation:

Credit Score: A minimum credit score of 580 is required for an FHA loan, while conventional loans typically require at least 620.
Debt-to-Income Ratio (DTI): Your DTI measures the percentage of your income that goes toward debt payments. Most lenders prefer a DTI below 50%, though this can vary by loan type. Calculate your DTI.
Down Payment: A minimum down payment of 3% is needed for a conventional loan, or 3.5% for an FHA loan.
Employment History: Lenders also want to see consistent income and at least 2 years of steady employment.

How To Qualify For A First-Time Home Buyer Loan

Applying for a mortgage as a first-time homebuyer can feel daunting, but there are steps you can take to increase your chances of approval. Here’s how to qualify:

Save for a down payment: Many lenders require a down payment, but some loan programs accept as little as 3%.
Boost your credit score: A higher credit score can help you qualify for better rates and terms. Check your credit report for any errors and work on improving your score before applying.
Reduce your debt: Lowering your debt-to-income (DTI) ratio by paying off high-interest debt can improve your chances of approval.
Prepare your documents: Lenders will ask for documents like tax returns, W-2s, bank statements, and information about your assets. Having these ready can speed up the process.
Choose the right loan program: Based on your financial situation, find a loan program that works for you. Conventional loans are great for those with a strong down payment and high credit, while FHA loans suit borrowers with lower income or credit scores.

How much do first-time home buyers need for a down payment?

Down payment requirements vary depending on the loan program, but you don’t need 20% to buy a home. Many lenders offer conventional mortgages with as little as 3% down. If you qualify for a VA loan, you may even be able to purchase a home with 0% down.

See what our clients say.

Outstanding!!

Nate was awesome to work with. He was efficient and professional. He went absolutely above and beyond for us from start to finish. He was available any and every time we needed him, no matter how many times we reached out. He explained the entire process at every step. I could not recommend him enough and have been telling everyone I know about him.

NATE IS THE GOAT!!!!

Nate is the GOAT!!!! Nate worked with us like a he was a family member trying to hook his relatives up with good rates and good numbers. Nate went above and beyond to make sure my family was set with our dream home. Nate stuck by our side from start to finish even when we hit him with a few curve balls. Nate hit those curveballs out the park for grand slams. Nate was more than a lender; we became good friends along the way. If I had the chance to do this all over again I would choose Nate 10 times out of 10. I am more than grateful for the experience Nate provided. I am recommending my Mother my brother and my Mother-in-law to Nate. WELCOME TO THE FAMILY NATE!!!!!!

Extremely Professional

Nate is extremely professional in the sense that he truly listens to his clients. He was able to help me purchase my first home, by listening and finding solutions to help me get my home. With him, it’s fully all about you — all about helping you pull strings to get you over the line. Thanks again Nate.