Our Most Popular Loans Options for First-Time Home Buyers:
Here are some common situations that often apply to people getting their first home loan, and possible options. You may qualify for more than one; we’ll help you find what’s best for you.
Want payment and interest rate stability? With a 30-Year Fixed, your interest rate and monthly payments (before taxes and insurance) won’t change, and you can buy a home with as little as 3% down.
Don’t have a lot of credit history, or worried it’s not good enough? FHA loans have more lenient credit and income requirements, and your down payment can be as low as 3.5%.
Think you’ll only be in a starter home for a few years? An adjustable rate mortgage gives you a low fixed interest rate – which means lower monthly payments – for the first 5, 7 or 10 years of your mortgage.
Are you a veteran or currently serving? You may qualify for a VA Loan and be able to buy a home with zero down or if you are an Oregon Vet you may be able to take advantage of amazingly low rates with the Oregon veteran home loan program.
And More Popular Loans & Special Options for First-Time Home Buyers!
We understand that qualifying for your first mortgage is frequently challenging, so we’ve made sure we have more options to make it easier. The list is long, but we'll help you figure out which is best for you.
Low and No Down Payment Loans
Easy Qualifing With Low Down Payments
SpecIal Programs and Discounts for First-Timers
Help for Less than Perfect Credit:
Have questions about your credit report, or not sure if you can qualify? Just ask. We’ve helped lots of clients that didn't think they could qualify, or needed a little help figuring out how to clear up problems, and we have special tools to help make understanding your credit report easier.