First-Time Home Buyer Help in Orange County
Understand the payment, down payment, closing costs and loan programs before you start making offers.
Build My Buyer PlanConventional low-down-payment options
Programs such as HomeReady and Home Possible may offer low-down-payment financing for eligible borrowers, subject to income and program rules.
FHA
FHA financing can be useful for buyers who need more flexibility around credit, down payment or debt-to-income, depending on the full file.
Don't shop only by rate
For a first-time buyer, the better comparison is usually total payment, mortgage insurance, cash to close, seller credits, future refinance flexibility and how competitive the financing looks with an offer.
Bring your Realtor into the plan
S&S can prepare side-by-side scenarios so the buyer and Realtor understand price, down payment, HOA, taxes, insurance, PMI and seller-credit strategies before writing the offer.