Buy a home

Find the Perfect Home Loan for Your Needs

Home Loans Tailored to Your Unique Situation

At First Finance Lending, we understand that buying a home is one of the biggest decisions you’ll ever make. That’s why we offer a variety of loan programs designed to meet the needs of every homebuyer. Let us guide you through the process with ease and confidence.

Home Loan Programs

Select the mortgage program that suits you best, and a dedicated loan expert will reach out to assist you.

Conventional Loans

Ideal for borrowers with good credit, conventional loans offer competitive interest rates and flexible terms.

FHA Loans

Backed by the Federal Housing Administration, FHA loans are perfect for first-time homebuyers or those with less-than-perfect credit.

VA Loans

Available to veterans and active-duty service members, VA loans provide excellent terms with no down payment required.

USDA Loans

These government-backed loans are tailored for rural and suburban homebuyers, often with zero down payment.

Interest-Only Loans

Pay only the interest on your mortgage for a set period, ideal for buyers who expect an increase in income or future refinancing.

Jumbo Loans

Designed for higher-priced homes, jumbo loans offer financing options above conventional loan limits.

Non-QM Loans

Flexible loans for borrowers who don’t meet standard lending criteria are ideal for those with irregular income.

Rehab Loans

Combines purchase and renovation costs into one loan, perfect for buyers looking to fix up a property.

Reverse Mortgage

Allows homeowners 62+ to access home equity without monthly payments, repaid when the home is sold or vacated.

Adjustable-Rate Mortgages (ARMs)

ARMs start with a lower fixed interest rate for an initial period, then adjust periodically based on market conditions.

Fixed-Rate Mortgages

Enjoy the security of a consistent interest rate and stable monthly payments for the life of your loan.

Still have some questions?

Take the First Step Towards Homeownership

Choosing the right loan program is crucial to your homebuying journey. Let our experts guide you through the options and find the perfect fit for you.

Why Choosing the Right Loan Program is Important

How We Help You Choose the Right Loan Program

At First Finance Lending, we know that every homebuyer is unique, which is why we take the time to understand your specific financial situation and homeownership goals. Our team will walk you through all available loan programs, explaining the benefits and potential drawbacks of each. We’re committed to helping you make an informed decision that aligns with your long-term financial plans.

Home Buying FAQ's

What is the difference between a fixed-rate and an adjustable-rate mortgage?

A fixed-rate mortgage has a constant interest rate throughout the loan term, while an adjustable-rate mortgage (ARM) has an interest rate that may change periodically.

How much down payment do I need for a conventional loan?

Typically, you’ll need at least a 5% down payment for a conventional loan, though putting down 20% can help you avoid private mortgage insurance (PMI).

Can I qualify for a home loan with less-than-perfect credit?

Yes, programs like FHA and VA loans are designed to help borrowers with lower credit scores secure a mortgage.

What is a jumbo loan?

A jumbo loan is a type of mortgage used to finance properties that exceed the conforming loan limits set by the Federal Housing Finance Agency (FHFA).

How long does the loan approval process take?

The approval process typically takes 30-45 days, depending on the complexity of your application and the type of loan.

Let Us Help You Find the Perfect Loan

Whether you’re buying a new home or refinancing an existing mortgage, First Finance Lending is here to guide you through the process with expert advice and personalized service. Take the first step toward your homeownership goals today.