Your first home
Buying your first home, explained like a human would.
Low-down-payment programs, down-payment assistance, and a patient local officer who answers your questions — no jargon, no pressure, no dumb-question rule.
Who it’s for
First-time buyers in Arizona, California, Colorado, and Nebraska who want to understand the process, know what they can afford, and get to the closing table without the mystery.
How we make the first one easier
- Low down paymentMany first-time buyers qualify with as little as 3% down.
- Down-payment assistanceWe’ll check which state and local assistance programs you may qualify for.
- Plain-English guidanceOne officer walks you through each step, from pre-approval to keys.
- Know your number firstStart with our affordability calculator, then get a real pre-approval.
General guidelines
Typical starting points — your officer confirms what fits. First-time-buyer programs vary by state and by lender.
Down payment
3%+
Several programs allow low down payments for qualified buyers.
Credit score
580–620+
Depends on the program; we’ll match you to the right one.
Assistance
Maybe
State/local down-payment help where you qualify.
Common questions
How much do I need saved?
Less than most people think — many first-time buyers put down 3%, and down-payment assistance can reduce that further. Start with the affordability calculator, then we’ll get specific.
What credit score do I need?
It varies by program; some allow scores in the 500s–580s with the right structure. We’ll find the program that fits where you are today.
What’s the first step?
A quick, no-credit-impact rate check. From there, a licensed officer helps you get pre-approved so you can shop in your real price range.
Do you offer classes or guidance?
Your dedicated officer will walk you through the whole process and answer every question — there’s no such thing as a dumb one here.
Ready when you are
Let’s buy your first home.
Answer a few quick questions — no impact to your credit to check — and we’ll help you get pre-approved.