First Time Buyer

Buy Your First Home with Confidence

Buying a home for the first time can be very intimidating. You don't know who to trust, and even if things go smoothly at the beginning, it can turn on its head very quickly.

Instead of treating you like one of many, we treat you as part of our team. Your success is our success so we make sure you know we have your back along the journey of buying your first home.

Get Pre-Approved

Find a Home Loan That is Right for You at 1Rate

Be an active buyer

As a first-time homebuyer, you should...

Find a good realtor - partnering with a realtor that understands the multiple facets of the homebuying process.
Have a game plan - home buying is a journey. It's not just knowing where you want to go, but also understanding how to get there.
Be an active buyer - we encourage you to ask questions and learn the process so there's no surprises.

Speak to a Mortgage Advisor

Need-to-know for first-time homebuyers

First-time buyer qualifications

To qualify as a first-time home buyer, you cannot have had any form of ownership in any home in the last 3 years.

Benefits of a first-time homebuyer

The costs associated with buying a home can seem overwhelming. There are possibly several options to reduce your down payment and closing costs.

First-time homebuyer programs

First-time homebuyers have access to additional loan programs and financial help to make buying a home easier.

“1RATE has an amazing team who made my first homebuying experience so much less stressful than it could have been! [ . . . ] I know they work with many clients, but somehow they make you feel like you're their only one!”

Abigail Danfora

View More Reviews

When you are ready to start your application, 1RATE, Inc. will guide you through the process.

Start Your Loan Application