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First-Time Homebuyers

Owning a home for the first time is a big step!

Buying Your First Home Is Exciting!

Here are the basics.

  • Get pre-approved before you shop for your new home to strengthen your buying power.
  • Our Loan Officers ensure a smooth home-buying experience.
  • We have mortgage programs allow you to buy a home with a minimal down payment. Some only require as little as 3% down! Often, your down payment can be a gift from a relative or organization.

Popular Options for First-time Homebuyers

FHA Loan

  • Credit scores as low as 560 may qualify
  • Buy a home with as little as 3.5% down (primary home)

30-Year Fixed

The most popular mortgage, where you can purchase your home with as little as 3% down or less than 3% equity. Get a low payment and a rate that won’t change.

VA Loan

No down payment of Private Mortgage Insurance (PMI), plus flexible credit requirements make the VA loan a top choice among veterans and active military.


  • 30-year fixed rate
  • Flexible credit
  • Income property eligible

Rates and terms are subject to change without notice. Contact us for complete program details.

Apply Today

Your Journey Starts Here.

Let Community Lending make the home buying process simple.
Start an application to get started.

Get a Home Loan Find a Loan Advisor