Buying your first home can feel exciting and intimidating at the same time. MTG Home Loans gives you a clear, step-by-step path, so you can stop guessing and start planning with confidence.
We look at your income, debts, and savings to find a comfortable price range and payment. Our tools and guidance help you see what fits before you start shopping.
We review your application, credit, and documents carefully so you receive a strong, realistic pre-approval that can help your offer stand out with sellers.
With your price range and loan strategy set, you and your agent can focus on homes that truly fit. We stay available for quick updates and new pre approval letters when you find the right place.
We manage the details and keep you informed from appraisal and underwriting through final approval. You will know what is needed, when it is needed, and what to expect on closing day.
We explain each step in plain English. You will always know what is happening, what documents are needed, and what comes next.
For first-time buyers, common programs include:
Allows qualified first-time home buyers to put as little as 3% down. This can be a strong option if your credit profile is solid and you want long-term flexibility.
Let qualified buyers purchase a home with as little as 3.5% down and with more flexible guidelines for credit, savings, and debt-to-income ratio.
Available to eligible service members, veterans, and some surviving spouses, with no down payment required in many cases, and valuable benefits for those who qualify.
Some qualified buyers can use additional financing to cover the 3.5% FHA down payment, allowing the full purchase price to be financed. We will walk through how this works, what it costs, and when it may or may not be a good fit.
Your agent and lender should work together. We coordinate closely with your agent on timelines, pre-approval letters, and key milestones so your offer is strong and the process stays on track. If you are not working with an agent yet, we can connect you with trusted real estate agents in the area where you want to buy, so you have a strong team from the very start.
