First Time Home Buyer Programs
Punch Your Ticket to HOME OWNERSHIP
See if you qualify for a mortgage with no impact to credit
Top-Rated Program
Get Pre-Qualified First
No Harm to Your Credit, Get a Complimentary "Action" Plan
Don’t start shopping until you know your financing. Is an FHA or Conventional mortgage right for you? Are you wondering, “How much mortgage can I afford?” or “Is it a good time to buy a home right now?” We are a HUD-approved FHA lender here to help you navigate the complexities of the home-buying process.
First Time Home Buyer Programs (FHA)
We specialize in helping home buyers like you (not just first-time buyers!) secure the mortgage loan and mortgage rate you need to purchase your dream home.
0% Down Payment Assistance programs (DPA)
Forgivable, grants and 2nd loans to help First Time Buyer become Homeowners with FHA mortgage with Down Payment Assistance programs (DPA)
203K FHA Fixer-Upper Mortgage
The FHA 203K Fixer-Upper Mortgage lets you buy and renovate a home with one loan, making it easier to finance repairs on a fixer-upper.
Traditional FHA Mortgage
Most common and easiest to qualify for. Competitve rates and terms. An FHA loan helps buyers purchase a home with a low down payment of 3.5%.
Welcome to FHA Loans: Your Path to Homeownership
Typically, to qualify for an FHA mortgage, you need to have:
- Safe and solid property
- Possible fixer-upper (not investment)
- 0-3.5% down depending on the program
- Low credit scores of 540+ can be considered
- High credit scores can get the most competitive mortgage rates
- Higher debt-to-income ratios from 31% of income used for housing and as much as 57% total debt burden (highest of all programs)
Once ready, Apply and Get Officially Pre-qualified
We believe that obtaining a home loan should be simple and stress-free. We offer in-house pre-qualification and processing, ensuring a smooth and efficient loan approval. With our streamlined online application, you can apply for an FHA loan from the comfort of your own home. Experience the ease and convenience of our online platform and get one step closer to owning your dream home.
Get a Mortgage Quote
Ready to Apply for the FHA Loan?
Join over a million people
Have questions? We help you understand the FHA loan qualifications, navigate the paperwork, and ensure a seamless closing experience. Join the over a million people that have enjoyed the benefits of FHA loans for purchasing their home.
First-Time Homebuyer Mortgage Rates and Terms
Interest rates are always on the move, but now’s the perfect time to hop aboard the homeownership train! Punch your ticket to a brighter future, and we’re here to keep you on track. Let us help you find your dream home and enjoy the ride of a lifetime.
Natalya Hansen
