Loans Designed for Your First Move
First-time homebuyer programs are designed to make homeownership more accessible by offering low down payment options, flexible underwriting, and potential grants or assistance. These programs are tailored for those who haven’t owned a home in the last three years and are often combined with education and financial support tools.
Highlights
Low Down Payment Options
Conventional, FHA, VA and USDA each offer specific FTHB advantages
Generally Lower Interest Rates than Non-First-Time Homebuyers
Maximum Debt-To-Income Ratio up to 45-55%
550 Min Credit Score
Choose Your Path
FAQ
Who qualifies as a first-time homebuyer?
Anyone who hasn’t owned a home in the past 3 years, even if you’ve owned before.
Are there special programs for first-time buyers?
A: Yes: Options include reduced down payments, lower interest rates, and down payment assistance.
Can I use gift funds or down payment assistance?
Yes, most FTHB loans allow gift funds and can be combined with various down payment assistance programs.
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Disclaimer: Information provided is for educational purposes only and is subject to change. All loan programs, interest rates, down payment requirements, and terms are subject to credit approval, underwriting guidelines, investor requirements, and may change without notice. Not all applicants will qualify. Restrictions may apply, including but not limited to geographic limitations, property type, and occupancy requirements.