First Time Home Buyer Home Loan Programs

We work with some of the area's leading mortgage companies who offer a variety of low and no money down financing solutions for first time home buyers.

The programs include FHA, VA, USDA, and conventional programs which require little to no money down.

Not sure which program is right for you? Call (530) 318-2369 and we'll help you get moving in the right direction.

Popular Low & Zero Down Programs

HomeReady - Fannie Mae program. 3% Down required. Gift funds may be used to help cover down payment & closing costs.

Home Possible Advantage - Freddie Mac program. 3% Down required. Gift funds may be used to help cover down payment & closing costs.

VA Loans - Zero down financing solution available for eligible veterans and active duty military personnel.

FHA Loans - 3.5% down program with less restrictive credit requirements.

FHA 203K - Low down payment solution which borrowers may also use to finance the costs of eligible repairs and improvements.

USDA Loans - Zero down solution for lower and lower-middle income borrowers in USDA eligible areas.

HomeOne - Freddie Mac program for first time home buyers. 3% down required. Flexible funding options to help cover down payment and closing costs. No geographic or income restrictions.