Unlock Your Dream Home with Our First Time Home Buyer Programs & Down Payment Assistance
Making Home Ownership Easier for You !
45 Seconds to Apply and Pre-Qualify!
Success Stories from First-Time Homeowners
First-Time Homebuyer? We've Got You Covered.
Step Closer to Homeownership with Step by Step Guidance from our Experts
Navigating the world of home buying can be daunting. Our programs are designed to guide and support first-time homebuyers every step of the way.
Enjoy benefits like low down payments, and flexible loan terms.
Understand the process and Guidance from an Expert
Get a Consultation with a Licensed Mortgage Loan Officer
Click on "Download First-Time Home Buyer 101 Guide" to get started with your home journey and Learn more about First-Time Home Buyer Programs and Step by Step Process made available for you.
Down Payment Assistance
Step Closer to Homeownership with Down Payment Assistance
Discover State-Specific Programs Designed for You
Find the right program for your budget and requirements
Understand the process and Guidance from an Expert
Get a Consultation with a Licensed Mortgage Loan Officer
Click on "Find Me A Best Program" to get the Down Payment Assistance Programs List made available for you.
First-Time Home Buyers FAQ?
What is the first step in the home buying process?
The first step is typically to assess your financial readiness, set a budget, and get pre-approved for a mortgage.
How much can I afford to spend on a home?
Your affordability depends on your income, credit score, existing debts, and the current mortgage rates. A common rule of thumb is that your housing costs should not exceed 30% of your monthly income.
What is a pre-approval for a mortgage, and why is it important?
A pre-approval is a lender's confirmation that you qualify for a certain loan amount. It helps you understand your budget and makes you a more attractive buyer to sellers.
What types of mortgages are available, and which one is best for me?
Common types include fixed-rate, adjustable-rate, FHA, VA, and USDA loans. The best one depends on your financial situation and goals. It's advisable to consult with a mortgage broker or lender.
What are the upfront costs of buying a home?
You'll typically need to pay for a down payment, closing costs, and possibly other fees like inspections and appraisals. Down payment percentages vary but are often around 20% of the home's price.
What are closing costs, and can they be negotiated?
Closing costs include fees for services such as appraisals, inspections, and title insurance. Some costs can be negotiated, but it's essential to understand what's negotiable and what's not.
What are the key factors to consider when choosing a location for my new home?
Consider factors like proximity to work, schools, public transportation, safety, and the neighborhood's amenities and property values.
How do I make an offer on a house, and what should be included in it?
Your real estate agent can help you make an offer, which should include the price you're willing to pay, contingencies (e.g., home inspection, financing), and the proposed closing date.
What is a home inspection, and why is it important?
A home inspection is a thorough examination of the property to identify any potential issues. It helps you avoid buying a home with hidden problems and can be used to negotiate repairs or a lower price.
What is earnest money, and when do I need to provide it?
State-specific DPA programs Earnest money is a deposit you put down when making an offer to show your commitment to buying the home. It's typically a small percentage of the purchase price and is held in escrow until closing.
Do You Have More Questions? We are just a click away to help you 👇👇
Lets Make this your story
NEW Home Purchase Programs Application For
VETERANS!!
HELOC Eligibility Analysis and Certification
Just 45 Seconds to Pre-Qualify! 👇👇
Subject Property Info:
Are you looking for a convenient and cost-effective way to access funds for home improvements, debt consolidation, or other major expenses? A Home Equity Line of Credit (HELOC) from Go Direct Lenders can provide you with the financial flexibility you need. With competitive rates, flexible terms, and exceptional customer service, we are here to help you make the most of your home's equity.
ONCE YOU SEND US YOUR INFORMATION,
OUR 3 STEP PRE-APPROVAL PROCESS IS SIMPLE...
30 Minute Pre-Approval
We want to get to know you, your goals and your ideal home and loan scenario.
Fast Processing
Together we'll assemble a plan that works for you and not the other way around. With our Expert Advisor, you'll get the unbiased, home advice you deserve.
Funding Your Mortgage
After selecting the right plan, we will fund your mortgage. Your new home awaits!
Disclaimer :
By providing the requested information and clicking "Submit", I provide my signature expressly consenting to contact from Go Direct Lenders LLC or its subsidiaries, affiliates, or agents at the number I provided regarding products or services via a live, automated or prerecorded telephone call, text message, or email (even if your telephone is currently listed on any State, Federal or Corporate Do Not Call List). I understand that my telephone company may impose charges on me for these contacts, and I am not required to enter into this agreement as a condition of purchasing property, goods, or services. I understand that I can revoke this consent at any time.
Go Direct Lenders LLC – NMLS #: 1028986, is not affiliated with any government agency, including VA, FHA, or HUD. Equal Housing Lender.
Pre-Qualification Disclaimer: Our partners’ pre-qualification form is a self-assessment tool to determine whether your business may be qualified for the application process, and is not an application for, nor a guarantee of credit. A completed application must be provided for underwriting review before a loan decision can be made. This page does not in any way promote any mortgage or auto loans, and it does not contain any type of credit card application. It also does not affect your credit score.
This is for informational purposes only and should not be considered a loan offer. Down payment requirements may vary depending on the loan program and individual qualifications. Consult with a qualified mortgage professional for personalized guidance on your specific situation.
This communication does not constitute a commitment to lend or the guarantee of a specified interest rate. All loan programs and availability of cash proceeds are subject to credit, underwriting and property approval. Programs, rates, terms and conditions are subject to change without notice. Other restrictions apply. APR interest rates are largely dependent on your personal current situation, including but not limited to credit rating and history, your monthly salary, and your debt to income ratio.
This site is not a part of the Facebook or Google or TikTok websites or Facebook Inc. or Google LLC or TikTok Inc.. Additionally, this site is NOT endorsed by Facebook or Google in any way. FACEBOOK is a trademark of Facebook, Inc. GOOGLE is a trademark of Google LLC, TikTok is the trademark of TikTok Inc..