Loan Programs
First-Time Home Buyer Loans
You can do this — and there's more help than you think.
Anyone buying their first home (and many repeat buyers who qualify for the same programs).
5.0 · 37 reviews · NMLS #76185
Why choose a first-time buyer program?
- ✦Low- and no-down-payment loan options (FHA, VA, USDA, 3%-down conventional)
- ✦Down payment assistance programs that can cover most or all of your down payment
- ✦A step-by-step plan from pre-approval to keys
- ✦Straight answers, no pressure — 'homeownership is a partnership'
First-Time Home Buyer Loans by city
Local loan limits and real market data for your area.
First-Time Home Buyer Loans FAQ
- How much down payment do I actually need?
- Often far less than people expect — as little as $0 (VA/USDA) or 3–3.5% (conventional/FHA), and down payment assistance can reduce that further.
- What credit score do I need to buy a house?
- There's a program for a wide range of scores. Let's look at where you are today and build a simple plan to get you approved.
What clients say
“Jodie has been amazing! She has gone above and beyond her job title. She will lay it out as simple as you need it and walk you through every step. She is who I would recommend to ANYONE trying to buy a house!”
“Unparalleled experience! Barber's blend of professional expertise and personal attentiveness is a rare combination in today's service industries. I recommend her with a five-star rating.”
“She is patient, attentive to your wants and needs, transparent, and understanding. She advocates for her clients to ensure they get the best — Jodie made the homeownership process run smoothly for me.”
Let's get you home.
Straight answers, no pressure — from someone who's done this for 30 years.
5.0 from 37 clients
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