First-Time Home Buyers

Get the guidance, programs, and support you need to buy your first home.

Why First-Time Buyers Choose Us

Low Down Payment Options

Qualify with as little as 3% down on some programs.

Flexible Credit Standards

Programs designed for borrowers building credit history.

Down Payment Assistance

Access to grants and assistance programs in eligible areas.

First-Time Buyer Education

Guidance and resources to help you navigate the process.

Programs for First-Time Buyers

We offer multiple loan options designed with first-time buyers in mind.

FHA Loans

Down payments as low as 3.5% and flexible credit standards backed by the Federal Housing Administration.

Conventional 97% LTV

Put just 3% down on a conventional loan with competitive rates and terms.

Down Payment Assistance Programs

Grants and forgivable loans to help cover down payment and closing costs in eligible areas.

Get Started on Your First Home

Tell us about your goals and we'll help you explore your options.

Get Started

iThink Mortgage

Powered by Premier Mortgage Resources, LLC

Smarter, faster home financing — with a human in the loop. Local mortgage guidance backed by real people.

Apply Now
iThink MortgagePowered by Premier Mortgage Resources, LLCPremier Mortgage Resources, LLC | NMLS #1169EQUALHOUSINGOPPORTUNITYEqual Housing Opportunity

Texas Complaint-Recovery Fund Notice: CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.

THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV.

© Copyright 2026 Premier Mortgage Resources, LLC ("PMR") | NMLS # 1169 www.nmlsconsumeraccess.org | Equal Housing Opportunity | PMR is not an affiliated or an agency of the federal government. All information contained herein is for informational purpose only and, while every effort has been made to ensure accuracy, no guarantee is expressed or implied. Any programs shown do not demonstrate all options or pricing structures, rates, terms, programs, and underwriting policies are subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans are subject to underwriting approval. Some products may not be available in all states and restrictions apply. AZ-BK #0937529; CA – Licensed by the Department of Financial Protection and Innovation, under the California Residential Mortgage Lending Act; WA-CL 1169