The Road To HomeOwnership Starts Here

America's First Time Home Buyer Specialist

Five Steps To Owning Your First Home

  1. Check out first time home buyer programs with zero to low down payment options.
  2. Get Pre-Approved for all the eligible loan options and get a pre-approval letter in your hand before you start house hunting.
  3. Request Pre-Screened Realtor in FirstHomeBuyers Network to assist you in your home search.
  4. Get contract on home and process your mortgage to obtain the final approval on your loan
  5. Close on your new home, get the keys, move in, order some pizza, kick off your shoes, and celebrate living the dream of being a homeowner!

You must start the process of buying a home as early as possible because there are a lot of documents and information required to process a mortgage these days. There may be issues you need to address prior to buying a house and you need to give yourself plenty of time to get your ducks in a row to avoid major headaches later on. What are you waiting for? Live the dream now!

FirstHomeBuyers Program Advantage

We have over 25 years of experience helping thousands of first time home buyers achieve the dream of owning a home. Buying a home can be a daunting task but our mission is to educate you on the programs and guide you through every step of the process. We provide you with the advice, tools, tips, and resources so you can determine if owning a home is better than renting. Once you set your mind on becoming a homeowner then we will get you pre-approved for the best loan option and payment to fit your budget. Don't worry if you don't qualify now because we can discuss actions you can take so you can purchase a home as soon as possible. Our goal is to make buying your 1st home a simple, fun, exciting, and hassle-free experience.

Don't know where to start? Fill out the quick online application and one of our team members will contact you right away to discuss your pre-approval and what steps to take next in the home buying process.

Government Programs

Government loan programs such as USDA and VA requires no down payment and FHA requires a low down payment. Usually, people with fair to marginal credit may qualify for these programs.

  1. USDA Zero Down Program-Minimum 620 credit score and must buy home in small city or town.
  2. FHA Loan-Minimum 550 credit score with low down payment.
  3. Down Payment Plus Assistance Program-Get up to $6,000 down payment assistance.
  4. Kiddie Condo-Parents can co-sign and help their son or daughter buy a home.
  5. $100 Down FHA Program-Loan for FHA foreclosures.
  6. VA Loan-Zero Down Payment for Veterans and active personnel in Navy, Army, Marine Corps, Air Force, Coast Guard, and National Guard.
  7. 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.
  8. Dream Makers Program-get $5,000 grant if you are in the military
  9. Good Neighbor Next Door-Teachers, Firefighters, Emergency Technicians, Law Enforcement Employees, or Police Officers get 50% discount off home in targeted area.
  10. FHA Streamline 203k Renovation Loan-Repairs and home improvements may be added into your loan. Great for fixer uppers and foreclosures.

Conventional Programs

Some Conventional and Community loan programs have more flexible credit, income, and property guidelines and offer great alternatives to government financing.

  1. Fannie Mae HomeReady-1% to 3% down payment programs. No limits on how much money you make if you purchase home in eligible ares.
  2. Fannie Mae 97% Program-Low down payment program with no income restrictions.
  3. Home Possible Program-3% down payment program with no income
  4. NO PMI Program-NO PMI or mortgage insurance which lowers your loan payment.
  5. Piggyback Mortgage Loan-Program which involves taking out 2 loans to avoid mortgage insurance with less than 20% down payment.
  6. 100% Gift Purchase Program-Fannie Mae program which the down payment can be all gift.

Home prices and interest rates are moving up and you need to act fast if you want to make homeownerhip a reality. Where do you start? The first thing you must do is Get Pre-Approved not Pre-Qualified before you start searching for the perfect home. You must know the difference between pre-approved and pre-qualified because sellers will ask you for a pre-approval letter before they accept your purchase offer on their home. Get a "true" pre-approval through our TruQual Pre-Approval Program. 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.

Tip: Make sure to get the document checklist to avoid delays and undue stress during the loan process.
We are a nationwide lender and first time home buyer programs are available in Alabama, Alaska, Arizona, California, Colorado, Connecticut, Delaware, DC, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maryland, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, 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, CA, CO, CT, DE, DC, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MI, MN, MS, MO, MT, NE, NV, NH, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, WA, WV, WI, WY. You must check with FirstHomeBuyers for current availability of specific loan program(s) in your state.

Contact Us

(847) 516-5743


Equal Housing Lender


FirstHomeBuyers made the home buying experience a breeze! They were helpful every step of the way and their open-door communication policy made me feel comfortable and confident with all of the paperwork involved in buying a home. I truly appreciate all of the hard work they put in to make my dream of owning a home possible.


10 Steps To Buying Your First Home