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First Time Buyers

Purchasing your first home? Congratulations! It will seem daunting at times, but your First Home Mortgage Loan Officer will lead you through all of the steps toward getting the best loan possible.


Beyond conventional home loans, we also offer lending programs specifically for first-time homebuyers who might need extra help with a down payment.

FHA Loans
These loan programs are insured by the Federal Housing Administration (FHA) and issued by qualified lenders, such as First Home Mortgage. We offer all of the current FHA loan programs, including home financing for purchase and refinance of owner-occupied homes, as well as the popular 203(k) rehabilitation loan.

State Bond Programs
First Home Mortgage is the preferred lender for many of State Bond money programs. We have grants and settlement loan expense programs that can be combined to create virtually no-cost loans for first time homebuyers with little or no housing payment history.

VA (Veterans Affairs) Loans
These loans offer 100% financing without private mortgage insurance to American veterans or to their surviving spouses. As a VA “Automatic Lender,” First Home Mortgage has the privilege of helping serve eligible veterans with in-house processing, underwriting and closing of all VA loans as a first or second mortgage, or as a refinance package.

Rural Housing (USDA)
100% financing available for homes in rural areas. In order to be eligible, household income must meet certain guidelines. Also, the home to be purchased or served must be located in an eligible rural area as defined by USDA.

Buying your first home should be an exciting investment – take the anxiety and confusion out of financing it by contacting your First Home Mortgage Loan Officer now. We’ll review your individual situation and ensure you are ready for settlement with a loan that is tailored perfectly for you.