First home? See how 3–3.5% down programs, seller credits and down-payment assistance actually stack up — myth-busting for first-time buyers.
First-Time Buyers
First home? See how 3–3.5% down programs, seller credits and down-payment assistance actually stack up — myth-busting for first-time buyers.
First home? First text .
Things “everyone knows” that are wrong.
You likely qualify to start if…
Help that stacks on top
Your two main openers, side by side.
First text to first keys.
First-timer FAQ.
Your first home starts with three questions.
Loan programs
63% of our closings are first-timers, so we’ve heard every myth, every fear, and every “is this a dumb question?” (It never is.) Here’s the playbook — down payments, assistance programs, and the traps to skip.
I have $18k saved. Is that even enough to start?
In a lot of markets, yes. With a 3% down program, $18k covers the down payment on a $400k range home — and seller credits can carry closing costs.
Want me to map it against your actual numbers? Takes about 90 seconds.
Delivered
Actually:
Most first-timers land on one of these. We’ll price both for you.
What you earn, what you owe, what you’re hoping for. Ninety seconds, no hard pull, no pressure.
Digital-first mortgage guidance for people who’d rather text than call. Clarity, speed, and zero pressure.
Explore
Programs
Talk to us
Replies 8am–8pm, seven days a week.
Equal Housing Opportunity. This is not a commitment to lend. All loans subject to credit approval, income verification and property appraisal. Rates shown are illustrative, not an offer, and change without notice.
- navigate('/')} className="flex items-center gap-2.5 transition active:scale-95" aria-label= >
- navigate(l.path)} aria-current= className= style= >
- navigate('/contact')} className="ml-2 rounded-full px-5 py-2.5 text-sm font-semibold text-white shadow-sm transition hover:opacity-90 active:scale-95" style= >Get pre-approved
- setMenuOpen(true)}>
- setMenuOpen(false)} aria-label="Close menu" /> Menu
- } className= style= >
- } className= >
- } className="mt-5 w-full rounded-full py-3.5 text-center text-[15px] font-semibold text-white transition active:scale-[.98]" style= >Get pre-approved
- navigate('/contact')} className="rounded-full px-7 py-3.5 text-[15px] font-semibold text-white transition hover:opacity-90 active:scale-95" style= >Start my 90 seconds
- navigate('/services')} className="rounded-full border border-zinc-300 px-7 py-3.5 text-[15px] font-semibold text-zinc-800 transition hover:border-zinc-400 hover:bg-zinc-50 active:scale-95">Compare programs
- navigate('/fha-loans')} className="rounded-full border-2 px-5 py-2.5 text-sm font-semibold transition hover:bg-zinc-50 active:scale-95" style= >FHA deep-dive
- navigate('/conventional-loans')} className="rounded-full border-2 px-5 py-2.5 text-sm font-semibold transition hover:bg-zinc-50 active:scale-95" style= >Conventional deep-dive
- setOpenFaq(openFaq === i ? -1 : i)} aria-expanded= className="flex w-full items-center justify-between gap-4 px-5 py-4 text-left">
- navigate('/contact')} className="rounded-full px-7 py-3.5 text-[15px] font-semibold text-white transition hover:opacity-90 active:scale-95" style= >Answer them now
- navigate('/fha-loans')} className="rounded-full border border-white/25 px-7 py-3.5 text-[15px] font-semibold text-white transition hover:bg-white/10 active:scale-95">Read about FHA first
- navigate(l.path)} className="text-sm text-zinc-300 transition hover:text-white">
- navigate(p.path)} className="text-sm text-zinc-300 transition hover:text-white">