First-Time Homebuyer Programs
Buying Your First Home Doesn't Have to Be Scary
Down payment assistance, credit flexibility, and a guide who's helped hundreds of first-time buyers find their way home.
Last updated: April 2026
Sound familiar?
These are the three things I hear most from first-time buyers. Every single one has a solution.
“I don't have 20% down”
Most first-time buyers put down 3-3.5%. Some programs offer 0% down. The 20% myth keeps more people renting than almost any other misconception.
“My credit isn't perfect”
FHA loans go as low as 580. We have options even below that. Your credit score is a starting point, not a dead end.
“I don't know where to start”
We walk you through every step, from your very first question to the day you get your keys. No question is too basic. That's what I'm here for.
Programs Built for First-Time Buyers
You have more options than you think. Here are some of the most popular programs I help buyers with every day.
FHA
3.5% down, 580+ credit
The go-to program for first-time buyers. Low down payment, flexible credit requirements, and gift funds allowed for your entire down payment.
VA
0% down for veterans
If you or your spouse served, VA loans offer zero down payment, no monthly mortgage insurance, and some of the most competitive terms available.
Conventional 97
3% down
Only 3% down with potentially lower mortgage insurance than FHA. A strong option if your credit score is 620 or higher.
CalHFA DPA
Down payment assistance
California's own program to help first-time buyers with down payment and closing costs. Income limits apply, but many buyers qualify.
Chenoa Fund
Down payment grant
A nationwide program that provides down payment assistance as a grant or forgivable loan. Available across most of our 24 licensed states.
HomeReady / HomePossible
Income-flexible
Designed for low-to-moderate income borrowers. Allows non-borrower household income to help you qualify, and down payments as low as 3%.
Not sure which program is right for you? That's exactly what the consultation is for.
What You Get Working with Me
Free pre-approval
Know exactly what you can afford before you start looking.
160+ lenders shopped for your best rate
As a wholesale broker, I compare options from over 160 lenders so you don't have to.
Dedicated loan officer — not a call center
You'll work directly with me from start to finish. One person, one phone number.
Help with down payment assistance programs
I'll identify every program you qualify for and walk you through the options.
Clear timeline from application to keys
No surprises. You'll know what's happening at every stage of the process.
160+
Lenders Compared
24
States Licensed
1
Dedicated Loan Officer — Start to Finish
Randy Mathis
Executive Branch Manager, West Capital Lending
NMLS# 1516760 | DRE 02236644
From “Where Do I Start?” to Your Front Door
Five steps. I'll be with you for every single one.
Free Consultation
We talk about your goals, your budget, and any concerns. No pressure, no commitment.
Pre-Approval (Same Day)
Quick application, fast review. You'll know what you qualify for so you can shop with confidence.
House Hunting with Confidence
Your pre-approval letter makes your offers stronger. Sellers take you seriously.
Offer & Underwriting
Found the one? I handle the loan paperwork, coordinate with your agent, and keep everything on track.
Keys in Hand
Closing day. Sign the papers, get the keys, and step into your first home.
Your first home is closer than you think
Whether you're just starting to think about it or you're ready to go, the next step is the same: a quick conversation to see what's possible.
Free consultation. No obligation. No pressure.