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This page is dedicated to First Time Home Buyers and the purchase of a new Primary Residence, Vacation Home or Investment Property.   In these page you will find detailed programs for people looking buying a new home or their first home that are qualified to make a mortgage payment but do not have the necessary funds for a down payment.

9 Steps to Home Ownership Video

Mortgage Programs of Homebuyers

Which loan program is right for you?

Down Payment Assistance

· Have little in savings for a down payment.

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· Know exactly what your payments will be with a monthly principal and interest payment that won't change.

· No interest rate change

· Stability of knowing your monthly principal & interest payment

· Pick a popular term (10, 15, 20, 25, 30) or choose your own term (e.g., 17 years)             

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Adjustable Rate Mortgage View Details »

Get a low initial rate for a period of years. After that, the rate adjusts annually.

· Great rates

· Typically lower initial monthly payments

· 3/1, 5/1, 7/1 adjustable rate terms      

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FHA Loans View Details »

A popular loan option for first time homebuyers or those seeking a low down payment loan.

· Flexible income, credit, and down payment qualifications

· U.S. government insured

· 10, 20, 30 year fixed rate terms or 3/1, 5/1, 7/1 adjustable rate terms                         

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FHA 203k  View Details>>

· Rehab Loan with up to $35,000.00 for repairs or improvements

· No General Contractor needed

· Flexible income, credit, and down payment qualifications

· U.S. government insured

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VA Loans View Details>>

Eligible veterans of U.S. armed forces receive government home mortgage benefits and flexible requirements.

· Low to no down payment option

· No mortgage insurance premium (MIP)

· 10, 15, 20, 25, 30 year fixed rate terms or 3/1, 5/1, 7/1 adjustable rate terms                     

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Jumbo Loans 

If you need a bigger mortgage, get a Jumbo Loan.

· Competitive rates

· 10, 15, 20, 25, 30 year fixed rate term option or 3/1, 5/1, 7/1 adjustable rate term option   

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