America's First Time Home Buyer Program Specialist
Zero Down Payment Loans

4 Steps To Owning Your First Home

1. Shop Great Zero Down First Time Home Buyer Programs.
2. Get Pre-Approved Today so you can shop for a home tomorrow with a pre-approval letter in hand.
3. Request Pre-Screened Realtor from FirstHomeBuyers and start house hunting today.
4. Close on your new home, get the keys, move in, order some pizza and kick off your shoes and celebrate!
ultimate first time home buyer guide
Download Great Step-By-Step Guide on How to Buy Your 1st Home with Little or Zero Money Down! Read about the benefits of owning versus renting, how to qualify for First-Time Home Buyer Loans, how to fill out the application and get pre-approved, credit scores and qualifications, benefits of using a Realtor, first time homebuyer mistakes you want to avoid, and much more.

Welcome to the Firsthomebuyers Loan Program and Realtor Information Center. Buying a home can be a daunting task but our mission is to educate and guide first time home buyers through every step of the process. We provide the best tools and loan programs available so you can decide if homeownership is right for you. Our goal is to make buying your 1st home a simple, fun, exciting, and hassle-free experience.  

FirstHomeBuyer Programs

  1. Fannie Mae NO PMI Program-NO PMI or mortgage insurance.
  2. Fannie Mae MyCommunityMortgage-Fannie Mae Low PMI loan. 
  3. USDA Zero Down Loan-Fixed rate zero down loan with 640 score.
  4. HomeBuyer Readiness Program-Take the quiz and find out if you are ready to purchase a home right now or do you need to take action to prepare yourself to become a homeowner.

    Today's Tip and Advice: Know the difference between getting pre-approved and pre-qualified because sellers will ask you for a pre-approval letter before they accept your purchase offer on their home. Check out "How Are Pre-Qualifying And Pre-Approval Different?"
  5. 100% Gift Purchase Program-Fannie Mae program which down payment can be all gift.
  6. Good Neighbor Next Door-Teachers, Firefighters, Emergency Technicians, Law Enforcement Employees, or Police Officers get 50% discount off home in targeted area.
  7. Home Possible Neighborhood Solution-Freddie Mac Community Lending program designed to meet the needs of a Teacher, Firefighter, Emergency Technician, Law Enforcement Employee, or Police Officer.
  8. Family Opportunities-Parent(s) can purchase home as investment for son or daughter.
  9. Fannie Mae HomePath Ready Buyerâ„¢ Program-Take the homebuyer education course and receive closing cost assistance toward the purchase of a Fannie Mae HomePath foreclosure.
  10. Coming Soon! Fannie Mae HomeReady Program-Program will help low to moderate income individuals realize the dream of homeownership.
  11. Down Payment Assistance and Grant Programs-Get grant funds or down payment assistance for down payment and closing costs. Check your state for specific programs available.

Government insured loan programs such as FHA requires a low down payment and VA or Veteran Loans requires 0 Down payment. Fair to marginal credit may qualify for these programs. 

  1. Dream Makers Program-get $5,000 grant if you are in the military
  2. FHA-620 minimum score. If you have bad credit, you should work on improving your credit and scores. 
  3. HUD Home Loan Program-FHA loan for HUD owned homes or FHA foreclosures.   
  4. Kiddie Condo-Parent(s) can co-sign for son and daughter without occupying property.
  5. Streamline 203k Renovation Loan-Repairs and home improvements may be added into mortgage to fix up home. Great for foreclosures and short sales!
  6. FHA Back To Work-Program designed to assist people who experienced unemployment or severe reduction in income due to recent Recession.
  7. VA or Veteran Loan-0 Down Payment geared toward Veterans and active personnel in Navy, Army, Marine Corps, Air Force, Coast Guard, and National Guard. VA loan option available for loan amounts exceeding $417,000.

I believe now is the perfect time to buy since the real estate market is a buyer's market with rock bottom home prices and historically low interest rates. Find Foreclosures Now! The first thing you must do is Get Pre-Approved before you start house hunting so you can let the seller know you are a qualified buyer and a preapproval letter in hand will help you negotiate the best deal possible. I look forward to the opportunity to assist you in realizing the American Dream of owning a home. Please email if you have any questions or comments. 


First time home buyer programs are offered in Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, DC, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming.

Special Teacher, Police Officer, Fireman or Firefighter, Nurse, Paramedic or EMT, Pharmacist, Healthcare Professional, and Military Programs available in AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY. You must check with mortgage lenders for current availability of specific loan program(s) in your state.