First-Time Home Buyers

Are you ready to buy your first home? 

  • Stop renting, and buy your first home
  • Requires minimum 680 FICO
  • 95% Loan to Value (LTV) with 5% down
  • 60-day rate lock at no additional cost

Buying a home is a big step, and we are ready to help you along the way. We will work with you on down payments, loan amounts, and help identify the best loan/monthly payment for you. This program is available for purchasing a single-family home that you will live in.

  • Purchases only
  • Owner-occupied only – Single family residence
  • Debit-to-income ratio – maximum 42%
  • 60-Day rate lock included at no additional cost
  • No negative amortization
  • No pre-payment penalties
  • Real Estate Loan Checklist

Today's Rates

Personalized Quote

NMLS ID #649058. Mortgages available in Arizona, California, Colorado, Hawaii, Idaho, Montana, Nevada, New Mexico, Oregon, Texas (1st Mortgage only), Utah and Washington.

For mortgages in all other states click here