Low down payment options, gift funds allowed, and specialists who work exclusively with first-time buyers. We'll walk you through exactly what you qualify for.
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Find out which programs you qualify for.
Nat took something we were honestly dreading and made it feel completely doable. She checked in with us constantly, made sure we understood every step, and got us to closing faster than we thought possible. Loved it!
Natalie L.If you're going through the mortgage process I cannot recommend Bedrock Mortgage enough. They were with us every step of the way, answered every question we had, and made something that felt really overwhelming actually feel manageable.
Angelica S.First-time buyer programs go well below 20% down, and most buyers don't realize how little they actually need until they talk to someone who specializes in this. We'll walk you through every option before you even sign an application.
As little as 3% down on conventional, 3.5% on FHA. We'll show you the real numbers for each.
Your loan officer works exclusively with first-time buyers. Every question answered, no jargon.
On FHA loans, sellers can contribute toward your closing costs, lowering what you need at the table.
Family can gift your entire down payment. We handle the documentation, no extra delays.
Takes about 10 minutes. We ask about your income, what you're looking to buy, and your timeline. Soft credit pull only — your score isn't affected at this stage.
We verify your income, assets, and credit before issuing your pre-approval letter. This is the document that tells sellers and listing agents your financing is real and you can actually close.
You'll know your exact maximum purchase price, estimated monthly payment, and cash needed at closing before you ever walk into an open house.
Because we fund from our own capital, there's no waiting on a bank to approve the wire. Most first-time buyers we work with are in their home within three weeks of going under contract.
You're considered a first-time buyer if you haven't owned a home in the past 3 years. Even if you owned before, you may still qualify for special programs if it's been more than 3 years since you sold.
Yes. Family members can gift you money for your down payment and closing costs with no limits on the amount. We provide the gift letter documentation and guide you through everything.
It depends on the program. FHA loans accept scores as low as 580 with 3.5% down, while conventional first-time buyer programs typically require 620 or higher. We'll match you to the program that fits your current score.
No. First-time buyer programs allow as little as 3% down on conventional loans and 3.5% on FHA loans. Combined with gift funds, many first-time buyers close with very little out of pocket.