First-Time Home Buyer Guidele Services

You don’t need 20%. Many first-time buyers qualify with 3%–5% down, and some programs allow 0% down for eligible buyers.

PMI applies when you put less than 20% down. It helps you buy sooner and can often be removed later.

Many loan programs start around 620. Even if your score is lower, improvement strategies may help you qualify.

Closing costs are typically 2%–5% of the home price and cover loan, title, and insurance-related fees.

Affordability depends on income, debts, credit, and rates — not just online calculators. Pre-approval gives real numbers.

A single mortgage inquiry has minimal impact, and multiple checks in a short time usually count as one.