First Time Home Buyer Programs

Get Approved Online For First-Time Home Buyer Benefits

First-time home buyer benefits can significantly help with the down payment, lower your interest rate and reduce your monthly payment. Apply online today to see what benefits are available to you.



Lower Interest Rates


Down Payment Assistance Grants Available


No Mortgage Insurance!



580+ Credit Score Required


Verifiable Income To Qualify


Must Not Have Owned A Home In Last 3 Years

Popular Questions


How Can I Borrow Money In 5 Days When Most Banks Take 45-60 Days?

Our 5-Day process is all about efficiency. We approve everything online in just a few minutes. We have automated the income verification process, the appraisal process is completed using automated valuation models and the signing is done over a video conference call. 

All of the pain points in a traditional mortgage process we have streamlined or automated for your convenience and this expedites the process significantly allowing you to access your equity faster. 

How Am I Able To Borrow Money Against My Home Without An Appraisal?

A traditional appraisal may eventually become a thing of the past. Lenders have been using automated valuations for the last few years but most lenders are using old technology that forces them to get a traditional appraisal.

The automated valuation technology has been available for years. The major lenders have been extremely slow to adopt the newer appraisal technologies. Unfortunately, those clients are forced to pay fees to third parties for services that aren’t needed. 

Are there any restrictions on what I can use the money for?

While most clients use their home equity for debt consolidation, home renovation or pursuit of financial goals, there are no restrictions on how you use the money. 

After closing, the money will be wired into your bank account for the amount requested and you’re free to spend it however you’d like. 

How do you complete the process without paystubs, w-2, tax returns, etc?

We have automated the income verification process. What this means is that you will not be emailing/uploading any paystubs, w-2 forms or tax returns. The income verification can be completed a few different ways:

-online bank account verification

-online payroll provider verification

-online login to IRS website

If you have any questions about this, I would recommend submitting an application (no credit check) and one our advisors will assist you with the income verification process. 

What loan terms are available?

We currently offer a 30-year, 15-year, 10-year and 5-year repayment terms. The draw period where you can take money from the HELOC will range from 2-5 years depending on the term of the loan. 

Are there any pre-payment penalties?

There are no pre-payment penalties for paying off your home equity line of credit early.