First-Time Homebuyer Programs

You can buy your first home. We can help.

It's true, you can buy a home with a minimal down payment. Take the first step today and explore the benefits of our low down payment options for your budget.

Program Highlights

FHA & Conventional programs

Credit as low as 580+

Minimal down payment options

Easy online pre-approvals

Expert homebuying advice

Did You Know?

First-time buyers that are self-employed or business owners can buy without tax returns (bank statement & P&L programs)

First-time buyers can buy without a Social Security Number using a Tax ID Number (ITIN programs)

First-time investors can buy without proof of income, just the appraisal (DSCR programs)

FAQs

How fast can I get pre-approved?+

With your documents ready (income, assets, credit authorization), a pre-approval letter can often be issued within 24 to 48 hours. Easy online pre-approvals are available.

01 Checkup A 15-minute conversation

02 Diagnosis Programs matched to you

03 Prescription We handle the paperwork

04 Closing Keys or savings, delivered

Related programs

FHA DPA (48 States) 600+ credit, no income limits, 48 states. Learn more → 2-1 Buydown Program 2% lower rate year one, 1% lower year two. Learn more → ITIN Loans Qualify with a Tax ID Number instead. Learn more →

People Over Profit.

You can buy a home. We can help.

Doc values people over profit, even though the best things in life come with a fair price. Call to learn more about how these loan programs can help you qualify.

Call (917) 417-5189 Prefer email? kdocteur@unitedmortgage.com