First-Time Homebuyer Programs

Don’t guess what you can afford—let us help you understand your true buying power. Our pre-approval process ensures you start your home search on solid financial ground.

Low Down Payment Options – Programs starting as low as 3% down.
Down Payment Assistance – Explore grants and assistance programs to help cover costs.
Flexible Credit Requirements – You don’t need perfect credit to qualify!
Expert Guidance – Our experienced loan officers walk you through every step.

Work with our team to evaluate your income, expenses, and savings. We’ll help you create a realistic budget tailored to your goals.

Learn about low down payment options and special first-time buyer programs. We will provide resources and options to make homeownership more accessible.

Popular First-Time Buyer Loan Options:

FHA Loans – Great for buyers with lower credit scores and smaller down payments.
Conventional Loans – A 3% down payment option.
VA Loans – No down payment required for eligible veterans and active-duty military.
USDA Loans – Zero down payment loans for rural and suburban buyers.

Secure a pre-approval from us to show sellers you’re a serious buyer. With access to multiple lenders, we’ll find the best rates and terms for your situation.

We can connect you with experienced real estate professionals who specialize in finding first-time buyers their perfect homes. Check out our Premier Realtor Network.

Use your pre-approval amount to focus your search on areas that meet your lifestyle and budget needs. We’re happy to share insights on local markets.

With financing secured, our expert guidance, and the best realtor, you can shop for your dream home knowing you’re well-prepared.

Leverage our expertise to craft a competitive offer that aligns with your goals and stands out to sellers.

Work with Three Bays Lending to finalize your mortgage. We’ll handle the details to ensure everything is ready for closing.

Schedule a professional home inspection to identify any potential issues. If necessary, negotiate repairs or adjustments with the seller.

Your lender will arrange for an appraisal to confirm the property’s value matches the loan amount.

Review and sign the final paperwork with our support to ensure accuracy and understanding.

Attend your closing appointment to sign all necessary documents and officially become a homeowner. We’ll be there to celebrate with you!