First-Time Buyer

First-time buyers, guided in

Programs and pairings built specifically for getting through the door the first time, low down payments, assistance options, and a guide who explains every step instead of rushing you through it.

Start your application Ask a question

Program snapshot

Down paymentLow-down options available

AssistanceMay pair with down-payment help

GuidanceEducation-first, no jargon

Specifics depend on your profile and current guidelines, we’ll walk through the numbers together.

Is this you?

Where it fits, and where to look twice

A strong fit when…

You’ve never owned, or haven’t owned in the last few years.
Saving a big down payment is the main thing standing between you and a home.
You want someone to teach you the process, not just process you.

Worth weighing…

First-time programs have eligibility rules, income, location, and price caps can apply.
Down-payment assistance often comes with its own terms; we’ll read the fine print with you.
The lowest-down option isn’t always the lowest-cost, we’ll compare honestly.

How it works

The shape of the loan

More than one program

‘First-time buyer’ isn’t a single loan, it’s FHA, conventional 3%-down, VA, USDA, and assistance programs, matched to you.

Pairing loans with assistance

Some Colorado programs pair a mortgage with down-payment or closing-cost help. We’ll check what you qualify for.

The teaching is the point

We slow down where it matters, rate locks, appraisals, what underwriting looks for, so you walk in informed, not overwhelmed.

What you’ll bring

The paperwork, demystified

Recent pay stubs

W-2s or 1099s

Two months of bank statements

Tax returns (if self-employed)

Photo ID

Details on any other debts

A starting list, not a final one, every file is a little different, and we’ll tell you exactly what yours needs.

Common questions

Answered straight

Do I qualify as a first-time buyer?+

Usually if you haven’t owned a home in the past three years, and some programs are open to repeat buyers too. We’ll confirm your status.

How little can I put down?+

As low as 0–5% depending on the program. We’ll show what each option means for your monthly payment.

Is there help with the down payment?+

Often, yes. Colorado has assistance programs. We’ll check eligibility and explain the trade-offs.

Keep exploring

Loans people compare with this

FHA

A popular first-purchase path with flexible guidelines.

Learn more

Conventional

3%-down conventional, with PMI that later drops off.

Learn more

USDA

Zero-down if you’re buying just outside town.

Learn more

This page is informational and not a commitment to lend or a guarantee of any rate or term. All loans are subject to credit approval and program guidelines; not all applicants will qualify.

Get started

Buying your first home? Start here.

One conversation tells us whether this is your best move, or whether something else fits better. No pressure either way.

Start your application Ask a quick question

See if this fits

Tell us a little and we’ll reach out, no application needed to ask.