first-time home buyer

First-Time Home Buyer


Become an educated first-time home buyer.

Buying your first home is one of the most exciting times in life. The last thing you want to do is lose that excitement because of an over-complicated loan process. While there are lots of different options and programs to choose from, the most important thing is being confident that you got the best loan possible and that you are being supported by your lending company.

Educated home buyers that have done their research are the ones who get the best deals. Yes, the loan process is often unique to each person’s situation, but the goal as a first-time home buyer is to build your purchasing power.  We're here to help you get there.

Have questions? You're not alone!

What are interest rates?
How much can I borrow?
What is PMI and how can I avoid it?
What are the differences in loan types?
How much do I need for a down payment?
Is my credit good enough?

Browse The FAQs


What are my options?



Beyond choosing whether you will do a fixed-rate or adjustable-rate loan, there are many loan programs designed to help the first-time home buyer. Learning the basics about each option will help you make a smart and educated decision when you are ready to apply. Every person has different needs and factors that affect which loan is best for them, so our goal is to get you the right loan and  terms to fit your situation. These are some popular loan programs that could be great for you to explore further:

See All Loan Options

Which loan is best for me?

To help determine which loan is best for your situation, we can provide plenty of advice and free information to help you find the right loan. Our goal is to give you all the tools and knowledge to make an educated decision on choosing the right loan. 

As well as providing information online, we are also available for a free consultation that will give you an opportunity to ask us any questions about the different loan options and programs, or about interest rates, and how to avoid private mortgage insurance. To start finding the right loan, download our free mortgage guide and start understanding your options and increasing your buying power.


At US Lending you get more than just a loan.

You get a team of mortgage professionals supporting you every step of the way, helping you achieve your home ownership goals. We are solution-oriented, always looking to qualify and create pathways toward home ownership for everyone we see. Our passion is to help people see their home-ownership dreams come true. 


Real Estate Offices trusted US Lending as their primary recommended lender. (2015 figures)


Real Estate Agents worked alongside US Lending. (2015 figures)


Clients were able to successfully complete their loan when pre-approved by US Lending. (2015 figures)

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