Stop paying rent and start building equity. Discover homeownership programs designed for first-time buyers with low down payments and flexible credit.
Many renters assume they can't qualify to buy — but the facts tell a different story.
of first-time buyers qualify for low down payment programs
Source: National Association of Realtors
of first-time buyers put down less than 20%
Source: National Association of Realtors
Homeowners have 40x more net worth than renters
Source: Federal Reserve
Average rent prices have increased 31% since 2020
Source: Zillow Rental Index
Down Payment Assistance programs are available for first-time buyers
Source: Down Payment Resource
Programs designed to make homeownership accessible and affordable
Buy with as little as 3.5% down, or even 0% with certain programs. Keep more cash for moving and settling in.
Don't let less-than-perfect credit stop you. We work with credit scores as low as 580 and offer manual underwriting.
Family helping with your down payment? Most programs allow gift funds from relatives for down payment and closing costs.
We specialize in guiding first-time buyers through every step, from pre-approval to closing day.
Access to FHA, VA, USDA, and conventional loan programs. We'll find the best fit for your situation.
Get pre-approved quickly so you can shop with confidence and compete with cash buyers.
You're not alone - here's how we help address these challenges
You don't need 20%! Many programs require as little as 3.5% down, and some allow 0% down payment.
Credit scores as low as 580 can qualify for certain programs. We also offer credit improvement guidance.
Your mortgage payment might be similar to or less than your current rent, plus you're building equity.
We guide you through every step with clear explanations and handle the complex paperwork for you.
We offer fast pre-approvals and work efficiently to meet your timeline, whether it's 30 days or 6 months.
Start with our quick quiz to see what programs you qualify for, then we'll create a personalized plan.
Simple steps from renter to homeowner
Answer a few quick questions to discover which homeownership programs you may qualify for.
We'll review your finances and get you pre-approved so you can shop with confidence.
Start shopping for your perfect home within your approved budget and preferred areas.
We'll guide you through closing and hand you the keys to your new home!
Common questions from first-time homebuyers
It depends on the program, but you can buy with as little as 3.5% down with FHA loans, or even 0% down with VA or USDA loans if you qualify.
Credit score requirements vary by program. FHA loans accept scores as low as 580, while conventional loans typically require 620 or higher.
Yes! Most loan programs allow gift funds from family members for down payment and closing costs. We'll help you document this properly.
From application to closing typically takes 30-45 days. Getting pre-approved can happen much faster, often within a few days.
Pre-qualification is an estimate based on basic information. Pre-approval involves verifying your finances and gives you a firm commitment, making your offers stronger.
Take our quick quiz to discover which homeownership programs you qualify for. You might be closer to buying than you think.
Start Your Quiz Now