First Time Homebuyer Loans

🏡 First-Time Homebuyer Programs – Your Journey Starts Here

Affordable Loans. Expert Support. A Smarter Way to Buy Your First Home.

At Cap One Lending, we believe that everyone deserves the opportunity to own a home—especially those buying for the first time. Our First-Time Homebuyer Programs are designed to help you get into a home faster, with lower costs, flexible loan options, and personalized guidance every step of the way.

✅ As little as 3% down
✅ Low-interest rates
✅ Down payment & closing cost assistance
✅ Expert support from start to close

💡 Why Choose Cap One Lending for Your First Home?

Buying your first home is exciting—but it can feel overwhelming without the right partner. That’s why we make it simple, affordable, and tailored to your needs.

  • Low Down Payments – Start with as little as 3% down
  • Competitive Interest Rates – We shop for the best pricing on your behalf
  • Flexible Loan Programs – Choose from Conventional, FHA, VA, or USDA
  • One-on-One Guidance – Our experienced mortgage experts walk you through the entire process
  • Educational Resources – So you feel confident every step of the way

From your first pre-approval to closing day—we’re with you all the way.

🏠 First-Time Buyer Loan Options

1. Conventional Loans

  • Minimum 3% down for qualified first-time buyers
  • No mortgage insurance (PMI) options with 20% down or lender-paid MI
  • Available with fixed or adjustable rates
  • Ideal for buyers with moderate to strong credit

2. FHA Loans

  • Minimum 3.5% down payment
  • More lenient on credit scores and debt ratios
  • Great for buyers rebuilding credit or with limited savings
  • Backed by the Federal Housing Administration

3. VA Loans

  • $0 down payment for eligible veterans, active-duty service members, and spouses
  • No private mortgage insurance (PMI)
  • Flexible on credit scores
  • One of the best loan options for qualified military buyers

4. USDA Loans

  • $0 down payment for homes in USDA-eligible rural and suburban areas
  • Designed for low-to-moderate-income buyers
  • Low monthly mortgage insurance and competitive rates
  • Great for affordable living outside city limits

🎁 Exclusive Benefits for First-Time Buyers

  • 💰 Down Payment Assistance – Qualify for local or national DPA programs
  • 🔐 Closing Cost Assistance – Reduce out-of-pocket expenses at the closing table
  • 🎓 Homebuyer Education Courses – Access valuable programs to help you make informed decisions
  • 📋 Customized Loan Planning – We'll match your financial goals with the right loan program

🧭 The Homebuying Process at Cap One Lending

We simplify the journey to homeownership with a clear, guided process:

1. Pre-Approval
Get a clear picture of what you can afford with a fast, no-obligation pre-approval.

2. Find Your Home
We’ll connect you with a trusted realtor (if needed) so you can shop confidently.

3. Choose Your Loan
We compare your options and recommend the best fit based on your budget and goals.

4. Close & Celebrate
Our team ensures a smooth, on-time closing—and a seamless move into your first home.

📞 Ready to Buy Your First Home?

At Cap One Lending, we’re here to help you buy smart, save more, and move forward with confidence. Our team will walk you through every step and get you into your first home—with less stress and more support.

📲 Call us at 816-905-1111
🌐 APPLY HERE to get pre-approved in minutes

Cap One Lending – Your First Home. Our First Priority.

Apply Now!