Loan Programs — HomeFirst Lending
Loan programs

Six honest ways to get home

Every family's path looks a little different. Here's the menu — and a real person to help you order.

🏠

Conventional

The dependable classic. If you've got steady income and decent credit, a conventional loan usually means great rates and flexible terms with no surprises.

  • Down payments from 3–20%
  • Works for credit scores 620 and up
  • Best for: buyers with solid footing
🛠️

FHA

A friendlier front door. FHA loans are government-backed with easier credit requirements, so a few past bumps don't have to keep you renting.

  • As little as 3.5% down
  • Credit scores from 580 welcome
  • Best for: rebuilding credit or smaller savings
🎖️

VA

For those who served, and the families beside them. VA loans can mean zero down and no monthly mortgage insurance — a benefit you've more than earned.

  • $0 down payment for eligible veterans
  • No private mortgage insurance
  • Best for: veterans, active duty & surviving spouses
🏝️

Jumbo

Bigger home, bigger loan — same warm treatment. When your dream house sits above conforming limits, we keep the process just as personal.

  • Loan amounts above $806,500
  • Competitive rates for strong credit
  • Best for: higher-priced homes & move-up buyers
🔁

Refinance

Already home? Wonderful. Let's make sure your loan still fits your life — a lower rate, a shorter term, or cash out for that kitchen you've been sketching.

  • Rate & term or cash-out options
  • Side-by-side savings math, in plain English
  • Best for: current homeowners re-checking the numbers

Not sure which one is yours?

That's completely normal — most families aren't. Tell us a little about your situation and we'll point you the right way.

Talk it through with us
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