Your Journey to Homeownership Starts Here
Expert guidance and competitive rates for first-time homebuyers. We'll help you navigate every step of the home buying process with confidence.
No hidden fees
Fast approval
First-time buyer programs
Why Choose NMHL for Your First Home?
Personalized Guidance
Our experienced loan officers will guide you through every step, explaining complex terms in simple language you can understand.
Competitive Rates
Access to exclusive first-time buyer programs and competitive interest rates that can save you thousands over the life of your loan.
Simple Process
Streamlined application process with digital tools that make it easy to submit documents and track your loan progress.
Expert Support
Local expertise with national backing. Our team knows your market and will help you make informed decisions.
Your Path to Homeownership
Get Pre-Approved
Start with a free pre-approval to understand your budget and strengthen your offers.
Find Your Home
Work with a real estate agent to find the perfect home within your budget.
Submit Your Application
Complete your mortgage application with our simple online tools.
Close on Your Home
Review final documents, sign papers, and get the keys to your new home!
First-Time Buyer Programs
FHA Loans
- Lower credit score requirements
- Flexible debt-to-income ratios
- Gift funds allowed for down payment
- Assumable loans available
VA Loans
- No down payment required
- No private mortgage insurance
- Competitive interest rates
- Reusable benefit
USDA Loans
- 100% financing available
- Low mortgage insurance
- Income limits apply
- Property must be in eligible area
Conventional Loans
- Flexible loan amounts
- PMI can be removed
- Various term options
- Competitive rates