First-Time Homebuyer Programs
Low down payments, flexible credit, down payment assistance, and step-by-step guidance — everything you need for your first home.
Overview
Buying your first home can feel overwhelming, but the right loan program and the right advisor make all the difference. First-time buyers have access to exclusive programs with lower down payments, flexible credit requirements, and government-backed benefits that repeat buyers may not qualify for. At Airus Lending, we specialize in guiding first-time buyers through the process with clarity and confidence.
Who Is This For?
- Renters ready to build equity through homeownership
- Buyers who haven't owned a home in the last 3 years
- Individuals with limited savings for a down payment
- Borrowers with moderate credit looking for flexible options
- Anyone buying their first property and unsure of the process
Recommended Programs
Loan programs that fit this buying scenario.
FHA Loans
3.5% down, flexible credit, government-backed.
Learn more →Conventional 3% Down
Low down payment for strong credit profiles.
Learn more →VA Loans
Zero down for eligible veterans and service members.
Learn more →USDA Loans
100% financing in eligible areas.
Learn more →Down Payment Assistance
Grants and forgivable loans to help.
Learn more →The Buying Process
What to expect from pre-approval to closing.
Get Pre-Approved
Know your budget and loan options before you start looking at homes.
Find Your Home
Work with a real estate agent and use your pre-approval to strengthen your offer.
Go Under Contract
Submit your offer, negotiate terms, and go under contract.
Close & Move In
We handle underwriting and closing. You get the keys.
Frequently Asked Questions
FHA loans allow scores as low as 580 with 3.5% down. Conventional programs typically require 620+. VA and USDA have no set minimum (lender overlays apply).