There's nothing like achieving the dream of owning your own home. Our goal is to help successfully navigate the journey to homeownership with guidance, tools, and resources. Together, we can help you find the answers you need.



Buying your first home can be both exciting and daunting. Let us help make the journey easier with this step-by-step guide.

From finding the right mortgage to making an offer, you’ll find tips and resources to make your dream a reality.

What type of loan is best for me?
We offer many programs like HomeReady® Mortgage Plus and Homebuyer Advantage Plus® that can help make the dream of home ownership possible. Both offer benefits such as low down payments and no private mortgage insurance.

Find the right loan >

Can I get help with my down payment?
You could be eligible for programs that could significantly reduce your down payment. Just tell us where you're looking and answer a few questions about your household.


Check my eligibility >

Other Resources:

Closing Cost Assistance
Eligible borrowers can receive up to $2,500 toward their closing costs through our Closing Cost Assistance Program (CCAP).
Find a Mortgage Consultant
Locate an experienced Mortgage Consultant in your neighborhood.
Mortgage Application Checklist
A handy checklist to make sure you have the items requested for your application.


Should I choose a mortgage professional vs. an online lender?

While there are benefits of working with an online mortgage lender, a local mortgage broker can provide personal, one-to-one guidance, and make the entire home buying process easier.

I’m a first-time homebuyer, what credit score do I need to qualify?

Most lenders have a baseline credit score used approve or deny a mortgage. Any score in the 700s or above is considered excellent. If your score drops into the 600s, you may be considered a risk for some lenders. Some mortgages such as FHA are designed for those with scores as low as 500. 

What is PMI and do I need it?

Private Mortgage Insurance (PMI) is a type of insurance that may be required if your down payment is less than 20% of your home’s purchase price. As a first-time home buyer, it is one option if you don’t have the money for the full down payment.

What are closing costs (and do I have to pay them)?

Closing costs are a variety of expenses above the purchase price of your home, such as attorney fees, title search, taxes, and lender costs. See if you’re eligible for our closing cost assistance program or other first-time home buyer grants.

How much will property taxes cost?

First-time homebuyers are often surprised at the cost of property taxes. Before purchasing a home ask what the estimated taxes will be on the property. And do your research ahead of time, so you can add these expenses into your budget.

What are mortgage points?

Mortgage points (also known as discount points) are fees paid directly to a lender at closing in exchange for a reduced interest rate. It can help lower your monthly mortgage payments.