First-time Homebuyers

Buying your first home can be simple.

We'll walk you through the process and guide you with every decision.
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First-time Homebuyer Programs

Shopping for a mortgage for your first home might seem daunting. Luckily though, there are numerous first-time homebuyer programs that can help you get your foot in the homeownership door.

First-time Homebuyer

Maximum financing and flexibility for first-time homebuyers with various low down payment options available to those buying their first home.

VA Loan

If you're active duty military, a veteran or an eligible family member of a military veteran, you may qualify for a Veterans Affairs loan.

The VA Mortgage is a government-backed loan product that may offer less restrictive qualifying terms, including no down payment, compared to conventional programs.

FHA Loan

If you'd love to buy a home but lack credit, large down payments, or are unable to cover closings costs, an FHA loan may be the solution.

FHA financing was developed to provide homebuyers with an alternative to conventional financing and include attractive and flexible guidelines.


USDA-backed loans offer qualifying low-to- moderate income borrowers the option of no down payment when they buy in a designated rural area.

Our process is designed for you.

Constant online access makes creating your American dream convenient and easy.

1. Answer some questions

Answer some basic questions, and securely upload your financial info with the click of a button.

2. Tailor your options

Have a specialist help you make a decision that’s perfect for you.

3. Close your loan

Our team will take you through our stress-free closing process.

Is now the time to buy?

It takes more than looking at your monthly mortgage payment to answer this question. Gapital's pros will help you determine the total cost and gain of buying vs. renting in today's market.
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How much can I afford?
While everyone's financial situation is different, you should aim to keep your total mortgage payment — including property taxes and insurance — between 25% and 43% of your monthly take-home pay.
How much do I need for a down payment?
Despite popular belief, you don't need a 20% down payment. A large down payment has its benefits, but we have loan options that let you put as little as 3% down and 0% for eligible Veterans.
How much are closing costs?
You'll likely need money for closing costs — typically 2% to 5% of the purchase price — moving expenses, repairs and a cushion in case of emergencies. We recommend staying in your comfort zone and we can help you find what fits.
Is it cheaper to buy a house or rent?
It depends. Every housing market has different factors to consider. Plus, the answer can vary with your budget, goals and plans for the future. Contact a Gapital Pro for help deciding what's best for your situation.

Transparency is our strategy.

A quote from Gapital is one you can trust. We'll show you side by side rates and programs, so your comparison is easy to understand. 

Our pros also factor in all closing costs, so there are no surprises, and you can trust the number when comparing them to others on the market.
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