First Time Home Buyers

Each loan program has its own unique advantages, our trusted loan consultants will help you compare your best choices side by side and make the selection that’s right for you.

Buying a home is one of the most important purchases you’ll ever make. Our loan program locator for first time home buyers can help. Just tap the button below to get started!

 

Home Loan Programs

Until now, you have been searching for home loan information to find the right mortgage from a lender to purchase your new home. The problem is, not all home loans are the same. Your personal story is unique and a little different from everyone else. Therefore, we need to make sure to find you the right loan program.


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USDA Rural Development

The USDA Rural Development Single Family Housing Guaranteed Loan Program - or USDA Home Loan - is one of the most robust mortgage options available for rural and suburban homebuyers. Not available in all areas.
  • 100% Financing - No Down Payment Required
  • Excellent Credit Not Required
  • Low Fixed Rates

VA Home Loan

VA loans are designed to help active duty military and veterans qualify for homeownership and are one of the most popular choices among eligible first-time homebuyers and eligible military personnel.
  • Zero Down Payment*
  • Lower Interest Rates
  • No monthly mortgage insurance premiums
*Available to qualified veterans

FHA Home Loan

FHA Loans are designed to make homeownership more affordable. You can purchase a home with a lower down payment and a lower credit score than a conventional loan.
  • Low Down Payment (Minimum 3.5% required)
  • Allows 100% Gift Funds
  • FHA Insures All Types of Properties

Conventional Home Loan

Conventional mortgages are ideal for buyers with excellent credit and can afford a down payment between 5-20%. There are options for down payments on conventional loans with as little as 3% down. Down payments for conventional home loans can also be gifted!*

*See requirements for more info.

Buying a home is an exciting time in your life and buying your first home is a great accomplishment! Your due diligence matters. Get pre-qualified with GSF Mortgage so you know what you can afford. Your budget and what you pay is something we as your local lender will help you work to match.


For more information, apply online today or contact us now.


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