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Understanding First Time Buyer Confused
The journey to homeownership begins with understanding your mortgage options. First-time buyers can choose from various loan programs, including FHA loans with 3.5% down, VA loans with 0% down, and conventional loans with competitive rates.
First-time buyer programs exist in every state, offering flexible credit score requirements and down payment options.
How NMHL Helps
Proven solutions for first time buyer confused
Personalized Consultation
Speak with a licensed expert who understands your unique situation and guides you to the right program.
Flexible Loan Programs
Access programs designed for borrowers in your exact situation — FHA, VA, conventional, and more.
Guided Process
We walk you through every step from pre-approval to closing. No surprises, no confusion.
Your Path to Homeownership
Free Consultation
Tell us about your situation and goals.
Explore Options
We match you with the best loan programs.
Pre-Approval
Get pre-approved to strengthen your position.
Close with Confidence
We guide you through closing smoothly.
Success Stories
“NMHL made our first home purchase incredibly smooth. The team guided us through every step and found us a rate we couldn't believe.”
“After being denied by two other lenders, NMHL found a solution for my self-employed income. Bank statement loan closed in 25 days.”
“The VA loan process was seamless. Zero down payment and the best rate I found anywhere. Thank you NMHL!”
We Serve 29 States
Click any state to see local rates and programs
Our Presence
Click on endorsed states to see our direct resources!
Frequently Asked Questions
Credit score requirements vary depending on the loan program. NMHL offers FHA loans with credit scores as low as 580 and non-QM loans with options for credit scores as low as 500. Our loan officers will help you determine the best program for your credit profile.
Down payment requirements range from 0% for VA loans to 3.5% for FHA loans. NMHL loan officers will help you explore your options and identify the most suitable loan program for your financial situation.
Yes, NMHL offers bank statement loans and non-QM loan programs for self-employed borrowers. Our loan officers will work with you to verify your income and identify the best loan options.
Pre-qualification is an informal estimate of your borrowing power, while pre-approval is a formal agreement from a lender stating the approved loan amount and terms. NMHL provides both pre-qualification and pre-approval options.
NMHL's pre-approval process typically takes 24 hours. Our loan officers will guide you through the required documentation and credit checks to ensure a smooth and efficient process.
Helpful Resources
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