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First-Time Homeownership
Starting your journey to homeownership is a significant milestone. We help you navigate the financial landscape to find the most accessible path forward.
CalHFA MyHome Assistance
Access a deferred 0% interest loan for your down payment and closing costs. This program is specifically designed to make the initial investment more manageable for first-time buyers.
HomeReady & Home Possible
These programs offer lower credit score requirements and lower down payment options. We help you determine which program is best suited to your specific financial profile.
VA Loan Assistance
For eligible veterans and active-duty service members, we can help you navigate the zero-down payment options and funding fee structures available through the VA program.
Expert Guidance
Our team provides the personalized guidance needed to understand your options and find the best loan for your unique situation. We are here to help you every step of the way.
Program availability and guidelines can vary by lender and by state. This information is for educational purposes only and is not a guarantee of approval or loan terms.
Who These Programs Are For
We specialize in helping a wide range of buyers achieve their homeownership goals through tailored support.
- Buyers purchasing their first home or who have not owned a home in the past three years
- Buyers who need help with down payment or closing costs
- Buyers with limited credit history who still want competitive financing
How to Get Started
Follow these steps to begin your journey to a new home.
Get pre-qualified to understand your budget
Explore down payment assistance and low down payment programs available in your state
Complete a homebuyer education course if required by your program
Gather income and asset documentation
Work with your loan officer to find the right program for your situation
Myth
You need 20 percent down to buy a home.
Reality
Many first-time buyer programs allow down payments as low as 3 percent, and some offer down payment assistance.
First-Time Buyer FAQs
Do I have to be a first-time buyer to qualify?
Many programs define first-time buyer as not having owned a home in the past three years, so repeat buyers may still qualify.
Can I use gift funds for my down payment?
Many first-time buyer programs allow gift funds from family, though documentation requirements apply.
Program availability and guidelines can vary by lender and by state. This information is for educational purposes only and is not a guarantee of approval or loan terms.
Ready to Own Your Future?
Get pre-qualified in minutes.