RedHouse › Opciones de préstamo › First-time home buyer
First-time home buyer
The programs, grants, and education that make a first purchase possible, in one place.
Nota: Página en español pendiente: esta página se publicará en español después de la revisión de un oficial de préstamo bilingüe. A continuación se muestra la versión en inglés.
Who it's for
Anyone who hasn't owned a home in the last three years. That includes many people who've owned before.
How it works
- We start with a pre-approval so you know your price range before you shop.
- We check every down payment assistance program you qualify for: Montana Housing, CHFA in Colorado, NC Home Advantage, and local programs.
- Many programs require a short homebuyer education course; we'll tell you which one and how to take it online.
What you'll need
- A conversation. Most first-time buyers are closer than they think.
- Pay stubs, two years of W-2s, and two months of bank statements
- A credit report we pull once, with your permission
Common questions
How much do I need saved?
It depends on the program and the price. Between assistance programs, seller-paid closing costs, and gift funds, many first-time buyers close with far less cash than they expected. We'll show you the real number.
Does a pre-approval hurt my credit?
One mortgage inquiry has a small, temporary effect. Multiple mortgage inquiries within a short window count as one.
Por diseño, esta página no muestra tasas, APR, pagos ni porcentajes de pago inicial. Esas cifras solo se publican con la divulgación completa exigida por la Regulación Z.
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