First Time Home Buyer Programs

Take Advantage Of Your First-Time Home Buyer Benefits!

First-time home buyers are defined as anyone who has not owned a home in the last 3 years. These benefits can significantly help with the down payment, closing costs, can lower your interest rate and reduce your monthly payment. Check your eligibility online to see what you qualify for.

Benefits

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Lower Interest Rates

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Down Payment Assistance Grants Available

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No Mortgage Insurance!

Eligibility

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580+ Credit Score Required

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Verifiable Income To Qualify

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No Homeownership In Last 3 Years

See What Our Customers Have To Say…

Kevin Saltzman
Kevin Saltzman
2023-12-13
This place is GREAT. Ryan Harris was amazing to work with and made everything super easy. This is the best plan if you need to take out some cash for a project or whatever. Only pay interest on what you're using! Thank you!
Jay Howe
Jay Howe
2023-07-30
Stewart and Christopher are Rock Stars. Communication was great, very informative, and professional and kept things moving on or ahead of schedule. We would definitely go to them again. They make you feel like part of the family 👪
miles ku
miles ku
2023-02-16
Stewart and Chris were very helpful, I can express how thankful we are to have met them. We dealt with Stewart for a long time! Followed his plan for us and stuck with it. Now my wife and I are finally in our own home. I absolutely recommend them to anyone looking to buy a home.
Alfred Pyne
Alfred Pyne
2022-10-03
I'm very excited with the service I received from HomePad Lending. I was able to close on a mortgage in less than 23 days. Agent Ryan Harris was very helpful and friendly.
Laura J
Laura J
2022-05-31
We worked with Stewart and Chris in our first home buying experience. We had been working with another lender and they were so difficult to be in contact with. Once we started working with the HomePad team, they responded so quickly with calls, emails and texts. It was great. We actually closed early! Not only were they available for all my questions, they really advocated for us. I would recommend completely to anyone in this journey.
Rachel S.
Rachel S.
2022-03-23
Stewart and Chris did an awesome job in helping us with the home buying process. We appreciated their direction and support from start to finish. Thank you so much!!

First-Time Home Buyer Benefit Eligibility

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Popular Questions

FAQs

What Benefits Could I Be Eligible For?

The benefits vary drastically depending on credit score and income. You will be given all options based on your individual scenario. Previous clients we have worked with have received:

  • Down Payment Assistance Grants
  • Closing Cost Assistance Grants
  • Private Mortgage Insurance (PMI) Waivers With Less Than 20% Down
  • Mortgage Rates Significantly Lower Than National Average

 

Do I Have To Get Pre-Approved With HomePad to receive benefits?

Yes. We will pre-approve you for the mortgage and stack your first-time homebuyer benefits on top of your mortgage. Most banks do not offer these programs OR they are inexperienced in obtaining these benefits on your behalf. First-time home buyer benefits can only be used when you purchase the home and some of the benefits can easily save you over $20,000 dollars. 

How does the process work?

You will want to start by using our eligibility checker. That will give us a general idea of the benefits you are eligible for. From there, we will reach out and setup a consultation to get you approved for those benefits. Approval will typically take place the same day we speak to you. Once pre-approved, you will be in position to make an offer on the home of your choosing. 

What is the cost to get pre-approved for first-time home buyer benefits?

There is no cost to get pre-approved for your first-time home buyer benefits.