Your Journey to Homeownership Starts Here
Buying your first home is a big deal, but it doesn't have to be overwhelming. We unify real estate and mortgage services to make your first purchase seamless.
The FIG Advantage for First-Time Buyers
Low Down Payment Options
You don't always need 20% down. We offer FHA loans with as little as 3.5% down and conventional options from 3% down.
Down Payment Assistance
We can help you qualify for state and local grants that cover your down payment and closing costs.
All-in-One Team
Your real estate agent and mortgage broker work together under one roof, ensuring a faster, stress-free closing.
4 Simple Steps to Your New Home
Get Pre-Approved
Before looking at homes, know exactly what you can afford. We'll help you explore first-time buyer programs and down payment assistance.
Find Your Dream Home
Our nationwide network of expert real estate agents will guide you through neighborhoods, showings, and finding the perfect match.
Make an Offer
We'll help you craft a competitive offer that protects your interests while standing out to sellers in today's market.
Close & Get Keys
We handle the complex paperwork and coordinate with all parties to ensure a smooth closing day. Welcome home!
Best Programs for First-Time Buyers
You have more options than you think. Here are the most popular loans that make buying your first home more affordable.
FHA Loans
Backed by the government, FHA loans are perfect for first-time buyers with lower credit scores or smaller savings.
- As low as 3.5% down
- More flexible credit requirements
Conventional 97
A standard loan option that requires very little down, designed specifically to help first-time buyers get into a home.
- Just 3% down payment
- PMI can be canceled later
VA Loans
An exclusive benefit for eligible veterans, active-duty service members, and surviving spouses.
- $0 down payment required
- No private mortgage insurance
DPA Programs
State and local Down Payment Assistance (DPA) programs can provide grants or forgivable loans to cover costs.
- Grants you don't have to repay
- Covers down payment & closing costs
Common Mistakes to Avoid
The home buying process has a learning curve. Avoid these common pitfalls to ensure your mortgage approval goes smoothly.
Opening New Credit Cards
Any new credit inquiries or debt can negatively impact your debt-to-income ratio and jeopardize your loan approval.
Changing Jobs
Lenders want to see stable employment. Changing jobs or becoming self-employed right before buying can delay your approval.
Making Large Deposits
Lenders must track the source of all your funds. Unexplained large cash deposits can cause major underwriting issues.
Questions You Might Have
How much down payment do I really need?
The 20% down payment is a myth. Many first-time buyers purchase homes with 3% to 5% down, and some programs like VA or USDA loans require 0% down. There are also down payment assistance grants available.
What credit score is required to buy a house?
While a score of 620 is generally required for conventional loans, FHA loans can often be secured with a credit score as low as 580. We can review your credit profile and help you build a plan if needed.
What is PMI (Private Mortgage Insurance)?
PMI is insurance that protects the lender if you default on your loan. It's typically required if you put down less than 20%. However, it's not permanent—you can usually cancel it once you build 20% equity in your home.
How long does the home buying process take?
Once you're pre-approved and have an accepted offer on a home, the closing process typically takes 30 to 45 days. The house hunting phase varies for everyone, but getting pre-approved first speeds everything up.
Marketing & Acquisition Portfolio
Preview our comprehensive 25-page strategy for luxury property marketing and strategic acquisitions.
Ready to Stop Renting?
Take the first step toward homeownership today. Our experts are here to answer all your questions with zero pressure.