First-Time Homebuyer Programs
Buying Your First Home Doesn't Have to Be Scary
Down payment assistance programs, credit flexibility, and a guide who walks you through every step of buying your first home.
Last updated: October 2026
Sound familiar?
These are the three things I hear most from first-time buyers. Each one has options worth exploring.
“I don't have 20% down”
Many first-time buyers put down far less than 20%. Some programs offer low down payment options. 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 of the way. 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. From FHA loans to conventional loans, here are some of the most popular programs I help buyers with every day.
FHA
Low down payment, 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 competitive terms.
Conventional low down payment
Low down payment
A low down payment option, with potentially lower mortgage insurance than FHA. A strong option if you have solid credit.
State DPA
Varies by state
State housing-agency programs that help first-time buyers with down payment and closing costs. Income limits apply, but many buyers qualify.
Nationwide DPA
Down payment grant
Nationwide down payment assistance: grants or forgivable seconds where available.
Income-based conventional
Income-flexible
Designed for low-to-moderate income borrowers. Allows non-borrower household income to help you qualify, with low down payment options.
Not sure which program is right for you? That's exactly what the consultation is for.
What You Get Working with Me
No-obligation first conversation
We start by talking through your goals and budget. If you qualify, a pre-approval letter comes after you apply.
100+ lenders shopped for your competitive rate
As a wholesale broker, I compare options from 100+ 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 review the programs you may qualify for and walk you through the options.
Clear timeline from application to keys
Clear updates at every stage.
100+
Lenders Compared
15
States Licensed
1
Dedicated Loan Officer - Start to Finish
Randy Mathis
Executive Branch Manager, Lumin Lending Inc.
NMLS# 1516760 | DRE 02236644
From “Where Do I Start?” to Your Front Door
Five steps. I'll be with you for every single one.
No-Obligation Consultation
We talk about your goals, your budget, and any concerns. No pressure, no commitment.
Fast turnaround on your initial review
Quick application, fast review. You'll know where you stand 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.
No-obligation consultation. No pressure.
Talk to Randy
Buying your first home starts with a conversation. Send me a message with your questions and I will walk you through your options.
Licensing: Randy Mathis · NMLS# 1516760 · DRE 02236644. Lumin Lending Inc. · NMLS# 2716106 · DRE# 02291443. Licensed in 15 states. Verify licensure at NMLS Consumer Access.
Equal Housing Lender. Lumin Lending Inc. does not discriminate based on race, color, religion, national origin, sex, marital status, age, receipt of public assistance, or good-faith exercise of rights under the Consumer Credit Protection Act.
Program disclosure: Down payment assistance, state housing-agency programs, and similar programs are third-party offerings with eligibility requirements set by the program administrator. Not all applicants will qualify. Loan terms, rates, and closing costs vary by program, property, and borrower profile. This page is not an offer to lend or a commitment to lend.
Rates and program availability may vary based on the state or region in which the financed property is located. This is not a credit decision, an offer, or a commitment to lend. Program restrictions apply.