First Time Home Buyers

If you are a first-time home buyer you've come to the right place! HomeStart offers special financing solutions to first-time homebuyers with low fixed interest rates and reduced mortgage insurance. HomeStart uses only Fannie Mae and Freddie Mac insured fixed rate financing for our first-time homebuyers programs to insure our customers receive the best terms, lowest interest rate with no hidden charges in the future. We truly believe that buying a home is the best investment you can ever make and we are here to ensure that every step is taken to ensure your success.

First-time homebuyer (n.): Someone who has never owned a home OR has not owned a home in the past 36 months.

My Community®, and Flex 97% Programs®

Up to 6% seller concessions for closing costs;
Closing costs may be gifted;
Relaxed underwriting requirements;
Relaxed job history requirements;
Lower down payment requirements;
Down payment may be gifted;
Reduced Mortgage insurance rates;
Lower FICO score requirements;
Expanded level approvals available
No FICO ok Alternative credit may be used
Duplex, Triplex and Fourplex financing available
Interest only financing allowed
Loans up to 40yrs

Find out what some First-time homebuyers have said about their experience with HomeStart.

Call now to speak to one of HomeStart’s loan officers at 713-275-2785 or
Apply Online!