Affordable, accessible loans designed for first-time buyers.
Get lower down payments, flexible credit options, and support every step of the way.

These programs are tailored to help people buy their first home with fewer financial barriers. They often include reduced down payments, down payment assistance, and looser credit requirements.

🧾 As low as 3% down with conventional or FHA options
🎁 Down payment assistance available in many states
📄 Flexible credit guidelines for new buyers
🔐 Grants, tax credits, or reduced PMI may be offered

You may typically qualify for these programs if you haven’t owned a home in the past three years, meet certain income or location-based requirements, have at least fair credit—usually a score of 620 or higher—and intend to use the property as your primary residence.

🏠 Low or no down payment options
📉 Reduced interest rates and fees
🎯 Flexible approval even with limited history
🎁 Access to grants and assistance
🧰 Built for new buyers with support in mind

Loaningnow delivers a modern mortgage experience built for clarity, speed, and simplicity—empowering borrowers with smarter tools, faster approvals, and a seamless path to homeownership.

Company NMLS: 2710636   

Texas Mortgage Disclosure: Consumers wishing to file a complaint against a mortgage banker or licensed residential mortgage loan originator should contact the Texas Department of Savings and Mortgage Lending (SML). Visit [www.sml.texas.gov](https://www.sml.texas.gov) for instructions and to obtain a complaint form. Mailing Address: 2601 North Lamar, Suite 201, Austin, TX 78705 • Toll-Free: 1-877-276-5550 (Required per 7 TAC §80.200(b))