🏠 Home Loans · The Family 1st Promise
The Keys To Your
Dream Home
Conventional, FHA, and VA loans with honest answers, same-day pre-approvals, and a lender who actually picks up the phone.
3%Min Down Conventional
580+FHA Credit Scores
$0Down For VA
Same-DayPre-Approvals
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Flexible & PopularConventional
The classic path to homeownership — competitive rates and flexible terms for buyers with solid credit.
- As little as 3% down (20% avoids PMI)
- Credit scores from 620+
- DTI up to ~45%
- Primary, second homes & rentals
- Competitive rates & flexible terms
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First-Time FriendlyFHA
Backed by the Federal Housing Administration — lower down payments and forgiving credit guidelines.
- 3.5% down with 580+ credit
- 500-579 scores possible w/ 10% down
- DTI flexibility up to ~50%
- Gift funds allowed for down payment
- Perfect for first-time buyers
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For Those Who ServedVA
Zero down, no PMI, and the most competitive rates available — earned by your service.
- $0 down payment required
- No private mortgage insurance, ever
- Credit scores from 580-620
- Veterans, active duty & surviving spouses
- We handle your COE paperwork
1Get Pre-ApprovedSame-day pre-approval letter so you can shop with real buying power.
2Shop With ConfidenceSellers take your offer seriously. We update your letter per-offer if needed.
3We Push The FileAppraisal, underwriting, conditions — we chase everything daily and keep you posted.
4Clear To CloseSign, fund, get the keys. Welcome home — The Family 1st Promise.