Loan Options • First-Time Home Buyer
First-time home buyers
Buying your first home should feel exciting, not confusing. We will walk you through every step and every option in plain English.
★★★★★ 5.0 on Google from 160+ clients | Company NMLS #1835856
At a glance
- FHA, VA, USDA and conventional options
- Down payment assistance programs where available
- Pre-approval before you shop
- A local loan officer from start to finish
Talk with a licensed loan officer
Is it right for you?
Who it’s for
Whether you are renting, living with family or relocating, we will help you understand what you can afford, which loan fits and what to expect at each step.
Good to know
- Getting pre-approved before you shop makes your offer stronger.
- Save for closing costs as well as your down payment.
- Avoid opening new credit or making large purchases while you are in the process.
How it works
- Talk with usA quick, no-pressure call about your goals and budget.
- Apply onlineA secure application you can finish in minutes.
- Review your optionsClear numbers side by side so you can choose with confidence.
- CloseRegular updates from approval to the closing table.
FAQs
Common questions
What is the first step to buying a home?
Start with a pre-approval. We review your credit, income and assets so you know your price range before you start looking.
Are there programs to help with the down payment?
Yes. Depending on where you are buying, state and local down payment assistance programs may be available. We will tell you which ones you may qualify for.
How long does it take to buy a home?
Once you have an accepted offer, many purchases close in about a month. Your loan officer will give you a timeline for your loan.
This is not a commitment to lend. All loans are subject to credit approval, underwriting guidelines, property eligibility and program availability. Not all applicants will qualify. Terms and programs may change without notice. FLO Mortgage, Company NMLS #1835856. Equal Housing Opportunity. Licensing & Disclosures.
Related loan options
Ready to see your numbers?
Answer a few quick questions and a local loan officer will follow up with your options.