First Time Buyer Program

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First-Time Homebuyer Programs

Take the first step toward homeownership with our comprehensive first-time buyer programs. We understand that buying your first home can be overwhelming, which is why we offer special financing options, educational resources, and dedicated support to make the process as smooth as possible.

Our first-time buyer specialists will guide you through every step, from understanding your budget to closing on your dream home, ensuring you make informed decisions along the way.

First Home
Home Education

First-Time Buyer Benefits

Take advantage of special programs and benefits designed specifically to help first-time homebuyers achieve their dream of homeownership.

Low Down Payment

Purchase your home with as little as 3% down through our conventional loan programs.

Down Payment Assistance

Access grants and loans to help cover your down payment and closing costs.

Flexible Credit Requirements

Qualify with credit scores as low as 580 through FHA and other programs.

Homebuyer Education

Free classes and resources to help you understand the home buying process.

Competitive Rates

Access some of the market's best interest rates for qualified first-time buyers.

Dedicated Support

Work with specialists who understand the unique needs of first-time buyers.

Available Programs

Explore our comprehensive range of first-time buyer programs designed to make homeownership more accessible and affordable.

FHA Loans

3.5% down payment

Government-backed loans with flexible requirements.

Conventional

3% down payment

Traditional loans with competitive rates and terms.

  • Who Qualifies as First-Time Buyer

    You may qualify as a first-time buyer if,
    • You haven't owned a home in the past 3 years
    • You're a single parent who only owned with a former spouse
    • You're divorced and only owned with a former spouse
    • You only owned a property not permanently affixed to a foundation
    • You only owned property not in compliance with building codes
    Check Eligibility
  • Steps to Homeownership

    Your path to homeownership,
    • Complete homebuyer education course
    • Get pre-approved for your mortgage
    • Find a qualified real estate agent
    • Start shopping for homes within your budget
    • Make an offer and negotiate terms
    • Complete home inspection and appraisal
    • Finalize your mortgage and close on your home
    Start Process