First Time Home Buyer Loans

Mortgage Loans for First Time Home Buyers

A home is often the largest purchase that will be made in your life. If you’re a first-time home buyer, you deserve a caring lender who will make the process simple and understandable, and someone who is always willing to explain the tough questions. Brian can make your first mortgage loan feel attainable. Whatever assistance you may need, he’s here to help. For a hassle-free first loan experience, let Brian walk you through the process.

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The Loan Process

When you’re new to the home buying and mortgage lending world, the home loan process can feel overwhelming. Brian can help clear up any questions or concerns you have so you’ll be on track to pull through with your first mortgage loan.


The first step is to get preapproved to see what you can afford and what your payments would look like. Even if you don’t qualify at first, this process is still helpful to figure out what you would need to in order to get the home loan that you need. After getting preapproved, you get a preapproval letter that you then give to your realtor. Realtors often require you to have a preapproval letter, to know that you are serious and qualified to purchase a home, before showing you properties.

Qualifying for a First Time Home Loan

Brian is always willing to work with you and for you. If you have any concerns about your qualification for a loan, just give him a call! He will be able to address them and make sure you understand what needs to be done to qualify. In general, there are four categories lenders look at for loan qualification:


  1. Credit Score
  2. Employment
  3. Debt
  4. Savings


Brian can go through each of these with you and see where you stand and what your options are so that you are fully informed and know exactly what needs to happen to get approved.

How Brian Can Help First Time Home Buyers

Brian loves to work with first-time home buyers because he gets to make sure his borrowers have a great experience getting their first mortgage loan. He’ll get you started on the right foot with his unbeatable service and competitive rates on first home buyer friendly loans. Brian cares about helping on a personal basis, and not just as a lender. That’s why he starts by learning about your needs and specific situation. He’ll guide you through the loan process in a considerate manner and keep you informed on what matters. He offers multiple services to help you get the loan and house you want such as Ribbon, credit repair, and a fast pre approval. Let Brian do the heavy lifting for you.


For more information on loans as a first-time home buyer or questions about Brian the Lender’s services, you can chat with Brian at 706-973-7933.

Frequently Asked Questions About First-time Home Buyers

  • What is a first time home buyer loan?

    This is usually referring to the benefits that first time home buyers receive when looking to purchase a home. The most common benefit is the ability to put 3% down on a conventional loan instead of 5%.


  • How do you qualify as a first time home buyer?

    You qualify as a first time home buyer by not having had any ownership in a home within the last three years. If you have, but that home was with a past spouse, it does not disqualify you from being considered a first time home buyer.


  • Who qualifies as a first time home buyer?

    Those who have not had any ownership in a home within the last three years qualify as first time home buyers. Or, if they have, but that home was with a past spouse, it does not disqualify them from being considered first time homebuyers.

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