First-Time Homebuyer Loans

Homeownership with the best loan for you.

Homeownership is possible to be financed in many ways

Shopping for your first should be exciting and it will be a thrilling experience when you discover your dream home.


Among our top loan products for first-time homebuyers are FHA mortgages insured by the Federal Housing Administration (FHA). First-time homebuyers love the easy qualification, low mortgage rates, and low down payments for these loans. With a credit score of 580 or above, you could move into your first home with a down payment of only 3.5%.  


Conventional mortgages within the Fannie Mae and Freddie Mac conforming loan limits remain another popular choice for first-time homebuyers. If you have a competitive credit score and DTI ratio, your down payment could be just 3%.

VA Loan

Present and retired members of our country’s armed forces and surviving spouses can purchase a home with zero down using a VA mortgage insured by the Department of Veterans Affairs (VA).  


A USDA Home Loan is a government-insured loan that allows borrowers to obtain 100% financing (NO MONEY DOWN). It is designed to meet the needs of people living in small communities, rural areas, as well as outlying metropolitan areas.  


A mortgage loan to a non-resident person in the U.S.A. is called a Foreign National Mortgage loan. The property can become a second or vacation home while staying in America.   

No Tax Return, No W-2 Loan

Profit and Loss Loan-When you do not have the traditional tax returns along with W-2s. We use a self-prepared profit and loss to support the income needed for your loan.

Self-Employed-Getting a mortgage can be frustrating when you don't have the traditional W-2, or paycheck stubs to share with a mortgage lender.  

Call and Talk to a Loan Specialist