Mortgage
First-Time Homebuyer Programs
Buying your first home is a big deal. We specialize in helping first-time buyers navigate the process with confidence — and access programs that make homeownership more affordable.
We Make First-Time Buying Simple
The mortgage process can feel overwhelming when you're doing it for the first time. That's why we take extra time with first-time buyers — explaining every step, every document, and every decision in plain language.
We also have access to special first-time buyer programs that offer lower down payments, reduced mortgage insurance, and down payment assistance — so you can get into a home sooner than you might think.
Programs Available to First-Time Buyers
FHA Loans
As low as 3.5% down with flexible credit requirements — one of the most popular options for first-time buyers.
Conventional 97
Put just 3% down with a conventional loan and avoid the upfront mortgage insurance premium of FHA.
Down Payment Assistance
California offers several DPA programs that can cover part or all of your down payment and closing costs.
USDA Loans
Zero down payment for eligible rural and suburban properties — a great option for buyers outside dense urban areas.
What to Expect as a First-Time Buyer
- A free pre-qualification review with no obligation
- Side-by-side comparison of loan programs available to you
- Plain-language explanations of every document you sign
- Dedicated support from application through closing day
- Access to California down payment assistance programs
Ready to Take the First Step?
Let's talk about your goals and find the right program for you — no pressure, no obligation.
Explore First-Time Buyer Options