First Time Home Buyer
Guidance and programs to help you take your first confident steps toward owning a home of your own.
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For illustration only. Not a loan offer or rate quote. Principal and interest only. NMLS #1748450 · Equal Housing Opportunity.
A good fit if a few things describe your situation.
It's your first purchase
Programs designed for buyers buying their first home.
You want guidance
We explain the process from pre-approval to closing.
You're exploring down payment help
We can help you look into down payment assistance programs.
What to know about this program.
We start with a conversation about your goals, get you pre-approved, help you explore programs that fit, and stay with you through making an offer and closing.
Programs designed for first-time
home buyers
Guidance through every step
of the process
Help understanding down payment
assistance options
Pre-approval so you can
shop with confidence
Your path to closing
A considered, white-glove process — from first conversation to final signature.
Pre-approval
Share your financials to see how much you can borrow.
Loan application
Find a home in your budget and formally apply.
Rate lock
Lock in your rate while your loan moves forward.
Processing
We verify your documents, appraisal and title.
Underwriting
The underwriter reviews and clears your file.
Closing
Sign your final documents and get your keys.
Loans tailored for your unique needs.
Not sure which loan fits?
Get a quote and a licensed loan officer will help match a program to your goals.
Never miss a rate drop.
Tell us what you’re shopping for. We’ll email you when rates drop for a scenario like yours.
Frequently asked questions
What our clients say.
Genuine Google reviews from Vesta Lending clients.
From the blog
Learn from us
Thankful for Home: Smart Mortgage Moves This Thanksgiving
Thanksgiving is a time to appreciate what matters most — family, friends, and the place we call home. For homeowners, your home may also be one of your most valuable financial assets. If you've built equity over the years, now may be a good time to review how that equity could help you reach your financial goals.
Don't Let Your Mortgage Haunt You This Halloween
Halloween is right around the corner, but your mortgage and monthly expenses shouldn't be the things keeping you up at night. Whether you're looking to buy a home, access your home equity, or explore better ways to manage high-interest debt, now could be a great time for a mortgage checkup.
Thanksgiving Budgeting: Preparing Your Finances and Mortgage for the Holiday Season
As Thanksgiving approaches, many homeowners find themselves balancing the joys of the season with financial responsibilities. It's a time when family gatherings and holiday preparations can lead to increased spending. For homeowners, it's important to consider how holiday expenses can impact your overall financial health, including your mortgage commitments.
Ready to see your options?
Take the next step and explore financing options based on your homeownership goals.
(866) 506-8899