Make Your First Home Happen
Affordable, accessible loans designed for first-time buyers.
Get lower down payments, flexible credit options, and support every step of the way.
No Down Payment. No PMI. No Hassle—With a VA Loan
Exclusive benefits for veterans, active-duty service members, and eligible spouses.
Buy or refinance a home with no down payment and flexible qualification standards.
What Is a First-Time Home Buyer Program?
These programs are tailored to help people buy their first home with fewer financial barriers. They often include reduced down payments, down payment assistance, and looser credit requirements.
How It Works
🧾 As low as 3% down with conventional or FHA options
🎁 Down payment assistance available in many states
📄 Flexible credit guidelines for new buyers
🔐 Grants, tax credits, or reduced PMI may be offered
Who Qualifies?
You may typically qualify for these programs if you haven’t owned a home in the past three years, meet certain income or location-based requirements, have at least fair credit—usually a score of 620 or higher—and intend to use the property as your primary residence.
Why First-Time Buyers Choose These Programs:
🏠 Low or no down payment options
📉 Reduced interest rates and fees
🎯 Flexible approval even with limited history
🎁 Access to grants and assistance
🧰 Built for new buyers with support in mind
First-Time Buyers FAQs
No. If you haven’t owned in the past 3 years, you still qualify.
Yes! Many loans work with local or state assistance grants.
FHA loans allow 580+ credit scores with 3.5% down.
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Disclosures and License Information
Texas Mortgage Disclosure: Consumers wishing to file a complaint against a mortgage banker or licensed residential mortgage loan originator should contact the Texas Department of Savings and Mortgage Lending (SML). Visit [www.sml.texas.gov](https://www.sml.texas.gov) for instructions and to obtain a complaint form. Mailing Address: 2601 North Lamar, Suite 201, Austin, TX 78705 • Toll-Free: 1-877-276-5550 (Required per 7 TAC §80.200(b))
Licensed in Colorado. Regulated by the Colorado Division of Real Estate.
NMLS ID: XXXXXX • Visit https://dre.colorado.gov or call (303) 894-2166 to verify the license status or file a complaint.