Buying Your First Home Starts Here
First-Time Home Buyer Loans Made Simple
First-time homebuyers deserve more than just a mortgage—they deserve a trusted guide. From your free pre-approval through closing day, Tithe Lending provides straightforward advice, personalized mortgage solutions, and a simple process designed to help you succeed.
Let’s Get You Pre-Approved
We have many programs allowing a 0% – 3% down payment. You may need less at closing than you think.
- Shop with confidence
- Strengthen your offer
- Personalized recommendations
- No cost. No obligation.
Get The Home You Want. Make An Impact
and your loan also helps support the Tithe Foundation’s work in local communities.
Common Questions
What is the first step in buying a home?
The home buying process begins with mortgage pre-approval. Many sellers will not accept an offer which is not accompanied by a Lender Pre-Approval.
Do any mortgage programs allow a $0 Down Payment.
Yes. If you are active-duty military or a veteran you may qualify for a VA mortgage with $0 down. If you qualify for the USDA mortgage program you could put $0 Down.
Can family give me a gift for my down payment?
Yes. Many loan programs allow gift funds from family members for down payment or closing costs.
Can I get help with a down payment?
Potentially. There are programs that require a 3-3.5% Down Payment but there is a Grant available to cover that small down payment. Let’s see if you qualify.
What are the typical qualification requirements for down payment assistance?
Most of these programs are for first time homebuyers and will have a minimum credit score and an income limit for the person on the loan or the household. Let’s see if you qualify.
What credit score do first-time buyers need?
Credit score requirements vary by loan type. At Tithe Lending, we have access to the newest VantageScore options to ensure you get a mortgage based on the higher score. FHA loans are generally more flexible on lower credit scores and credit events like bankruptcy and collections.
What mistakes should first-time buyers avoid?
Common mistakes include changing jobs during the loan process, opening new debts such as credit cards and car loans, or making large unexplained bank deposits.