Shane Direct: (949) 322-3616 | Brian & Nichole: (949) 202-5332

First-Time Homebuyers

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Few experiences can compete with shopping for your first home. It is a time of new beginnings. During the home-buying process, you imagine the ideal shape for your future, and you chart a course to make it happen.

It can be hard to figure out how to get from the dream to the reality on your own though. What type of mortgage do you need? Should you go with a fixed mortgage rate or an ARM? Is there any way to reduce your down payment? Will you need PMI?

The Best Home Loans can help you answer all of these questions. We operate in all 50 states, but offer a “small lender” experience.

That means that we are here to hold your hand for every step of purchasing your first home. We love what we do, and hope that this process will be as enjoyable for you as it is for us, and that we will become your lender for life.

First Time Homebuyer Loan Programs

We offer all of the following nationwide first time home buyer loan programs:


This is one of the most popular programs available to first-time homebuyers in all 50 states. FHA loans are insured by the Federal Housing Administration (FHA). Even borrowers without perfect credit scores can qualify for competitive interest rates and down payments as low as 3.5%.

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Insured by the Department of Veterans Affairs (VA), the VA loan program makes it affordable and easy for veterans, active duty service members and eligible spouses shopping for their first homes to qualify for competitive financing. You can move into a new home with zero down.

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The USDA loan program is insured by the US Department of Agriculture (USDA). Aimed at low- and middle-income borrowers, it is an excellent opportunity for first-time homebuyers to qualify for zero down and other competitive loan features.

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Conventional and Jumbo

First-time homebuyers should not overlook conventional and jumbo financing. Conventional loans can include down payments as low as 3%. First-time homebuyers can also qualify for jumbo mortgages. With a competitive risk profile, you can qualify for excellent rates.

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Depending on your location, we also may be able to help you look into state and local programs for first time homebuyers.

Why Work With The Best Home Loans On Your First Home Purchase?

Answering your questions about the home-buying process is something we enjoy. Even though this is your first time shopping for home, you should be able to feel confident that you are choosing the most ideal mortgage. Delivering first class customer service is as important to us as finding you the most affordable rates.

There is no difficult loan scenario we cannot overcome. We have helped homebuyers with situations involving low credit scores and high DTI ratios, as well as past bankruptcies, foreclosures, and tax liens. We will not turn you away like a big bank. We will work with you until we have matched you with an affordable home loan.

We are your Lender for Life. Through this guarantee program, we offer to refinance your mortgage for free in the future if rates decrease or if you qualify for better terms.

What Our Clients Are Saying

Facundo Lavino
Facundo Lavino
19:16 26 Oct 21
Nichole and Brian are AMAZING. They were resourceful, patient and made it happen for us. We got a new house thanks to them. Thank you very much
They did an amazing job of getting the rates we wanted and quickly with ease. I highly recommend them if you are buying in CA!
Shaktivan Chamba
Shaktivan Chamba
22:18 15 Oct 21
Brian and Nicole are a pleasure to work with. appreciate the clarity, availability to answer the many questions, capabilities to succuessfully fund, kindness, trustworthiness. thanks
Nauz Karami
Nauz Karami
14:42 13 Oct 21
It was such a pleasure to work with Brian and Nichole on this loan. As a real estate professional I work with so many lenders/ brokers so when it came time to choosing one for my personal deal I definitely had a lot of options. with that said I chose Brian and his team as they were the most responsive, gave me the best rate and we’re so on top of the file. The whole process was super easy and smooth and we didn’t have a single delay! Will definitely be sending all my clients to Grand Lending Team.
00:35 13 Oct 21
We had a great experience working with Nicole & Brian. They were efficient, professional, thorough, and made us feel comfortable throughout the entire process.

Apply Now For Your First Home Loan

You are closer than you think to making your dreams of homeownership a reality. Whether you are in California, Texas, Florida, New York, or any of the 50 states, The Best Home Loans can’t wait to match you with your first home loan. Please call us today at (800) 293-2133 to schedule your first-time homebuyer consultation.

Get Pre-aproved Today!