Whether you're a first time home buyer or simply starting over, a First Time Home Buyer loan can help. It's a fast, streamlined way to help new home buyers with the necessary cash at closing for their down payment and closing costs that they do not have to repay. Fixed and adjustable rate mortgage products up to 100% LTV/CLTV. 

There are four major types of loans for First Time Home Buyers: (1) FHA, (2) VA, (3) USDA and (4) Conventional.Each program has it's own unique characteristics which can help the First Time Home Buyer.The FHA program provides for a very low downpayment, the most allowable seller paid closing costs, 100% gifted money and generally one of the lowest interest rates. The VA program for Veterans provides for 100% financing , seller paid closing costs and no mortgage insurance per month. Another alternative First Time Homebuyer program is offered by the USDA and provides for 100% financing as well.  Finally, the FLEX 97 program in the Conventional arena, allows a first time buyer to purchase a home with a 3 percent downpayment, most of which can be gifted.

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