{"id":23122,"date":"2026-02-27T15:52:33","date_gmt":"2026-02-27T15:52:33","guid":{"rendered":"https:\/\/infinpros.com\/?p=23122"},"modified":"2026-02-27T15:52:34","modified_gmt":"2026-02-27T15:52:34","slug":"first-time-homebuyer-loans-and-programs","status":"publish","type":"post","link":"https:\/\/infinpros.com\/?p=23122","title":{"rendered":"First-Time Homebuyer Loans And Programs"},"content":{"rendered":"<div id=\"\">\n<div class=\"overflow-hidden relative bg-blue-50 aspect-video w-full rounded-lg\"><\/div>\n<p>\n            Morsa Images\/GettyImages; Illustration by Hunter Newton\/Bankrate\n        <\/p>\n<\/p><\/div>\n<div>\n<div id=\"block_ba2b907c1887439b16221a8835692823\" class=\"key-takeaways sm:border-l-4 border-(--accent) sm:pl-8 my-8 relative\" style=\"--accent: var(--color-blue-medium)\">\n    <!-- htmlmin:ignore --><\/p>\n<h2 class=\"heading-4 mt-0 mb-4 text-crop-none max-sm:flex max-sm:items-center max-sm:gap-4\" id=\"key-takeaways\" data-position=\"0\" data-beam-element-viewed=\"\" data-id=\"br-h2-0-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Key takeaways\" data-outcome=\"\">\n    <span class=\"shrink-0\">Key takeaways<\/span><br \/>\n        <span class=\"max-sm:h-0.5 max-sm:w-full max-sm:w-full max-sm:bg-(--accent) max-sm:rounded-full max-sm:block\"\/><br \/>\n    <\/h2>\n<p>    <!-- htmlmin:ignore --><\/p>\n<ul class=\"flex flex-col text-gray-700 mb-0 gap-2 list-disc\">\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            Many first-time homebuyer programs operate at the state level, through a state housing finance agency. Others are federal, and some are offered through nonprofits or employers.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            To qualify for a first-time homebuyer program, you may need to live in a certain area or have a certain profession, as well as meet financial requirements.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            Some aid comes in the form of low-cost loans, while other programs offer grants, which need not be repaid.\n                                                <\/li>\n<\/ul>\n<\/div>\n<p>If you\u2019ve never owned a home \u2014 or you have, but not recently \u2014 you might qualify for a first-time homebuyer loan or assistance. These programs typically consist of low-interest loans or grants to be used toward a down payment and closing costs. First-time buyer loans often have more affordable rates and more flexible requirements, such as a lower minimum down payment or credit score.<\/p>\n<section class=\"editorial-insight-box --insight-box +mg-vertical-md\" data-template=\"insight_box\">\n<div class=\"card-body border-l-4 border-blue-800\">\n<div class=\"content-wrapper\">\n<div class=\"content wysiwyg wysiwyg--flush\">\n<p>The median age of first-time homebuyers is 38 years old, according to the National Association of Realtors.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<h2 id=\"programs-by-state\" data-position=\"1\" data-beam-element-viewed=\"\" data-id=\"br-h2-1-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"First-time homebuyer programs by state\" data-outcome=\"\">First-time homebuyer programs by state<\/h2>\n<p>Each U.S. state operates a housing finance authority (HFA) to encourage homeownership, among other responsibilities. Browse HFAs and other first-time buyer resources by state:<\/p>\n<ul class=\"Accordion w-full align\">\n<li x-id=\"['panel-accordion-item-0', 'heading-accordion-item-0']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-accordion-item-0')\" :aria-controls=\"$id('panel-accordion-item-0')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    First-time homebuyer programs by state<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button>\n<\/li>\n<\/ul>\n<h2 id=\"low-down-payment\" data-position=\"2\" data-beam-element-viewed=\"\" data-id=\"br-h2-2-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Low down payment conventional loans\" data-outcome=\"\">Low down payment conventional loans<\/h2>\n<p>Conventional loans are the most popular type of mortgage, requiring only 3% down. This makes them an attractive option for first-time homebuyers with limited savings. Low-down-payment conventional options include:<\/p>\n<ul class=\"wp-block-list\">\n<li>\n<strong>Conventional 97 mortgage:<\/strong> This conventional loan, backed by government-sponsored enterprises (GSEs) Fannie Mae and Freddie Mac, requires just 3% down and a minimum credit score of 620. It also requires private mortgage insurance (PMI), a type of policy that protects your mortgage lender should you stop paying back your loan. You\u2019ll pay these insurance premiums until you have 20% equity in your home.<\/li>\n<li>\n<strong>HomeReady mortgage:<\/strong> Like the Conventional 97 program, Fannie Mae\u2019s HomeReady mortgage program requires just 3%  down. You will have to pay for PMI, but it might be less expensive.<\/li>\n<li>\n<strong>Home Possible and HomeOne mortgages:<\/strong> These programs are offered by Freddie Mac and require just 3% down with PMI.<\/li>\n<li>\n<strong>HFA Preferred and HFA Advantage<\/strong>: HFA Preferred and HFA Advantage loans, available through state housing finance agencies (HFAs), also offer just 3% down. Fannie Mae backs HFA Preferred loans, and Freddie Mac backs HFA Advantage.<\/li>\n<\/ul>\n<p>You won\u2019t get your low-down-payment conventional loan directly from Fannie Mae or Freddie Mac, however. Instead, you\u2019ll work with a private mortgage lender, which might be a bank, online lender or credit union.<\/p>\n<div class=\"InlineCta not-wysiwyg my-12\">\n            <img decoding=\"async\" class=\"InlineCta-image\" src=\"https:\/\/infinpros.com\/wp-content\/uploads\/2026\/02\/Homes_Best-First-time-homebuyer-mortgage-lenders-of-January-2024.jpg\" alt=\"A woman plays with a child on the lawn in front of a white, two-story house. The image has a purple border.\"\/><\/p>\n<div class=\"InlineCta-body\">\n                    <!-- htmlmin:ignore --><\/p>\n<h3 class=\"InlineCta-title\">\n    Best mortgage lenders for first-time homebuyers<br \/>\n    <\/h3>\n<p>    <!-- htmlmin:ignore --><\/p>\n<p class=\"InlineCta-copy\">Here are some of the best mortgage lenders for first-time homebuyers in 2026.<\/p>\n<p>        Learn more<\/p><\/div>\n<\/div>\n<h2 id=\"government-backed\" data-position=\"3\" data-beam-element-viewed=\"\" data-id=\"br-h2-3-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Government-backed mortgage loans\" data-outcome=\"\">Government-backed mortgage loans<\/h2>\n<p>The Federal Housing Administration (FHA), Department of Veterans Affairs (VA) and Department of Agriculture (USDA) back mortgage programs that are often an option for first-time homebuyers. Here\u2019s an overview:<\/p>\n<ul class=\"wp-block-list\">\n<li>\n<strong>FHA loan<\/strong><strong>:<\/strong> Insured by the Federal Housing Administration, FHA loans allow you to buy a home with a minimum credit score of 580 and as little as 3.5% down, or a credit score as low as 500 with at least 10% down. If you put down less than 20%, you\u2019ll pay FHA mortgage insurance premiums (MIP), similar to the insurance you\u2019d pay for a low-down-payment conventional loan. There\u2019s a difference, though: You can\u2019t typically stop paying FHA MIP unless you refinance out of an FHA loan entirely.<\/li>\n<li>\n<strong>VA loan<\/strong><strong>:<\/strong> The VA guarantees home loans for eligible members of the U.S. military, veterans and surviving spouses. These loans typically don\u2019t require a down payment, though there is a funding fee.<\/li>\n<li>\n<strong>USDA loan<\/strong><strong>:<\/strong> USDA loans don\u2019t require a down payment, but you\u2019ll need to purchase in a designated rural area and meet income limits based on your location.<\/li>\n<\/ul>\n<section class=\"editorial-insight-box --insight-box +mg-vertical-md\" data-template=\"insight_box\">\n<div class=\"card-body border-l-4 border-blue-800\">\n<div class=\"content-wrapper\">\n<p>\n                    Funding for fixer-uppers\n                <\/p>\n<div class=\"content wysiwyg wysiwyg--flush\">\n<p>If you\u2019re open to a home that needs a little work, consider an FHA 203(k) loan. These mortgages include financing for the home itself and necessary repairs, and they have financial qualifications similar to those for standard FHA mortgages.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<h2 id=\"federal-programs\" data-position=\"4\" data-beam-element-viewed=\"\" data-id=\"br-h2-4-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Federal first-time homebuyer programs\" data-outcome=\"\">Federal first-time homebuyer programs<\/h2>\n<p>Aside from the best-known government-backed loan options, there are a few other federal homebuyer programs which may have generous financial terms. These include:<\/p>\n<ul class=\"wp-block-list\">\n<li>\n<strong>Good Neighbor Next Door<\/strong>: Through this U.S. Department of Housing and Urban Development (HUD) program, law enforcement officers, firefighters, emergency medical technicians and pre-kindergarten through 12th-grade teachers could buy a home in a \u201crevitalization area\u201d for 50% off. You can search for properties available in your state on the program\u2019s website.<\/li>\n<li>\n<strong>HomePath ReadyBuyer<\/strong>: This Fannie Mae program offers first-time buyers 3% in closing cost assistance when buying a foreclosed home. Keep in mind that you must take an online homebuyer education course and that you\u2019ll be limited in your choice of properties.<\/li>\n<li>\n<strong>Energy-efficient mortgage (EEM)<\/strong>: This type of mortgage allows you to tack the cost of improvements \u2014 like new insulation, a more efficient HVAC system or double-pane windows \u2014 onto your primary loan without requiring a larger down payment. Conventional and government-backed options are available. You\u2019ll need a home energy assessment to qualify.<\/li>\n<li>\n<strong>Native American Direct Loan (NADL)<\/strong>: These loans, guaranteed by the VA, allow Native American veterans and their spouses to buy a home with no down payment. If you\u2019re not a veteran, consider HUD\u2019s Section 184 loan, which provides loans to eligible Native American homebuyers for just 2.25% down.<\/li>\n<\/ul>\n<h2 id=\"other-options\" data-position=\"5\" data-beam-element-viewed=\"\" data-id=\"br-h2-5-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Other options for first-time homebuyers\" data-outcome=\"\">Other options for first-time homebuyers<\/h2>\n<h3>Down payment assistance loans<\/h3>\n<p>Saving for a down payment is a big hurdle for most first-time homebuyers. That\u2019s where down payment assistance comes in. Many states\u2019 first-time homebuyer programs offer a lower-cost first mortgage to help you buy the home, then a second mortgage to help cover your down payment and closing costs. These second mortgages are commonly structured as either:<\/p>\n<ul class=\"wp-block-list\">\n<li>\n<strong>Low-interest loans:<\/strong> A loan with a below-market mortgage rate that you\u2019ll repay over the course of a few years<\/li>\n<li>\n<strong>Deferred-payment loans:<\/strong> A no-interest loan you\u2019ll repay when you sell the home, refinance or pay off your first mortgage<\/li>\n<li>\n<strong>Forgivable loans:<\/strong> A second mortgage you won\u2019t have to pay back so long as you keep the home as your primary residence for a certain amount of time and stay up-to-date with your mortgage payments<\/li>\n<\/ul>\n<h3>Other down payment assistance options<\/h3>\n<ul class=\"wp-block-list\">\n<li>\n<strong>Down payment grants: <\/strong>A down payment or first-time homebuyer grant is essentially free money to help with your down payment or closing costs. To qualify, you must usually earn no more than 80% to 100% of the median income in your area and meet credit score and home price requirements.<\/li>\n<li>\n<strong>Down payment savings match: <\/strong>These programs match participants\u2019 down payment savings up to a certain amount. The money can be used only for your down payment and closing costs. You might hear these programs called Individual Development Accounts, or IDAs.<\/li>\n<li>\n<strong>First-generation homebuyer help: <\/strong>Some states have earmarked funds specifically to assist first-time homebuyers whose parents never owned a home. Rhode Island\u2019s housing finance agency, for example, is piloting a program that provides a $25,000 forgivable assistance loan to eligible borrowers. Michigan has a similar program which also offers up to $25,000.<\/li>\n<\/ul>\n<h3 id=\"nonprofit-programs\">Nonprofit programs<\/h3>\n<p>Nonprofit program options tend to be reserved for first-time homebuyers with incomes that are significantly lower than the median income in their area or buyers who fit certain demographic or other criteria.<\/p>\n<ul class=\"wp-block-list\">\n<li>\n<strong>Neighborhood Assistance Corporation of America:<\/strong> The Neighborhood Assistance Corporation of America (NACA) is a nonprofit that provides low-rate mortgages to low- and moderate-income borrowers without requiring a down payment, closing costs or any mortgage insurance. The nonprofit doesn\u2019t use credit scores to qualify you, either: Instead, it looks at other factors, such as rent payment history.<\/li>\n<li>\n<strong>Habitat for Humanity:<\/strong> If your annual income is 60% or less of the median income in your area, you might qualify for Habitat for Humanity\u2019s homeownership program. Along with not exceeding the income threshold, you\u2019ll need to contribute sweat equity\u200b\u200b to qualify. In other words, you\u2019ll help build the home or a home for another applicant.<\/li>\n<\/ul>\n<h3 id=\"employer-programs\">Employer-sponsored programs<\/h3>\n<p>Employer-assisted housing (EAH) programs help employees with housing needs, usually in neighborhoods near the workplace. This assistance can come in many forms, such as a forgivable loan coupled with required homeownership education.<\/p>\n<p>EAH programs are often limited to certain occupations, and there could be other restrictions, such as being a first-time homebuyer or having worked for the employer for a certain amount of time.<\/p>\n<h3 id=\"student-programs\">First-time homebuyer programs for students<\/h3>\n<p>If you recently graduated from college, you might be eligible for help buying your first home. For example, the state of Ohio offers a Grants for Grads program with up to 5% down payment assistance for anyone who finished an academic program in the last 48 months. These programs typically come with a requirement to stay put for a given time \u2014 in Ohio, it\u2019s five years \u2014 or you\u2019ll need to repay the funds.<\/p>\n<h3>Mortgage tax deductions<\/h3>\n<p>As a first-time homebuyer, you might be eligible for a federal tax break through a mortgage credit certificate (MCC), usually up to $2,000 per year. There is a fee to buy the MCC, but if you plan to stay in your home long-term, the math might work in your favor.<\/p>\n<p>In addition, homeowners who itemize their taxes can deduct interest paid on mortgages on their annual federal income tax return. You can only deduct the interest on up to $750,000 of mortgage debt if married filing jointly, or up to $375,000 if single.<\/p>\n<h2 id=\"how-to-choose\" data-position=\"6\" data-beam-element-viewed=\"\" data-id=\"br-h2-6-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"How to apply for a first-time homebuyer loan or program\" data-outcome=\"\">How to apply for a first-time homebuyer loan or program<\/h2>\n<p>Your mortgage lender can help you determine whether you qualify for a first-time homebuyer program and apply for one if you do. You can also learn about eligibility criteria and search for participating lenders on your state\u2019s housing finance agency (HFA) website.<\/p>\n<p>Before you apply, start preparing financially. Look into building your credit to buy a home and saving for the upfront costs of homebuying, such as the down payment and closing costs.<\/p>\n<h2 id=\"faq\" data-position=\"7\" data-beam-element-viewed=\"\" data-id=\"br-h2-7-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"FAQ\" data-outcome=\"\">FAQ<\/h2>\n<ul class=\"Accordion w-full align\">\n<li x-id=\"['panel-accordion-item-0', 'heading-accordion-item-0']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-accordion-item-0')\" :aria-controls=\"$id('panel-accordion-item-0')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Who qualifies for first-time homebuyer programs?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-accordion-item-0')\" :aria-labelledby=\"$id('heading-accordion-item-0')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n            A first-time homebuyer refers to a homebuyer who hasn\u2019t owned a home previously. However, many programs define \u201cfirst-time homebuyer\u201d as a buyer who hasn\u2019t owned a home within the past three years. Depending on the program, the qualifications might also include not exceeding a certain income or buying a home above a specific price point, as well as having a certain minimum credit score or down payment contribution.\n        <\/div>\n<\/div>\n<\/li>\n<li x-id=\"['panel-accordion-item-1', 'heading-accordion-item-1']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-accordion-item-1')\" :aria-controls=\"$id('panel-accordion-item-1')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Which loan is best for first-time homebuyers?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-accordion-item-1')\" :aria-labelledby=\"$id('heading-accordion-item-1')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n<p>The best type of mortgage for a first-time homebuyer, or any borrower, is one that\u2019s affordable. This could be any type of mortgage that has a reasonable interest rate, lower down-payment requirement or low or no mortgage insurance.<\/p>\n<p>That said, many first-time buyers go with a 30-year, fixed-rate mortgage because the monthly payments are lower than those for a mortgage with a shorter term. Two popular 30-year, fixed-rate choices: conventional loans and FHA loans.<\/p>\n<\/div>\n<\/div>\n<\/li>\n<li x-id=\"['panel-accordion-item-2', 'heading-accordion-item-2']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-accordion-item-2')\" :aria-controls=\"$id('panel-accordion-item-2')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    What are first-time homebuyer education programs?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-accordion-item-2')\" :aria-labelledby=\"$id('heading-accordion-item-2')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\nFirst-time homebuyer education programs are designed to help you understand the various aspects of owning a home. To qualify for many first-time buyer loan programs, you\u2019ll need to take a course. If you\u2019re obtaining a conventional loan, you might be able to take the Fannie Mae HomeView online class to satisfy this requirement. Ask your loan officer for options.\n        <\/div>\n<\/div>\n<\/li>\n<\/ul>\n<div class=\"HelpfulCTA mx-auto flex flex-col items-center gap-6 my-6 py-12 text-base border-y border-gray-200\" data-helpful-cta=\"\" data-beam-element-viewed=\"\" id=\"did-you-find-this-helpful\" data-type=\"cta\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Did you find this page helpful?\">\n<div class=\"HelpfulCTA-initial w-full flex flex-col items-center gap-4\" data-cta-initial=\"\">\n<div class=\"HelpfulCTA-question text-lg font-bold text-center text-gray-900\">\n            Did you find this page helpful?<\/p>\n<div id=\"pDm4yPhDo8\" class=\"hidden\">\n<div class=\"wysiwyg wysiwyg--sm wysiwyg--flush max-w-xs\">\n<p class=\"mb-6 text-base\">\n                            <strong class=\"block font-bold text-gray-900\">Why we ask for feedback<\/strong><br \/>\n                            Your feedback helps us improve our content and services. It takes less than a minute to<br \/>\n                            complete.\n                        <\/p>\n<p>Your responses are anonymous and will only be used for improving our website.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>Help us improve our content<\/p>\n<div class=\"HelpfulCTA-actions flex gap-4 mt-2\">\n            <button type=\"button\" class=\"HelpfulCTA-btn HelpfulCTA-btn--yes border border-2 border-blue-600 text-blue-600 rounded px-6 py-2 transition font-semibold flex items-center gap-2 hover:bg-blue-50\" data-cta-yes=\"\" data-beam-element-clicked=\"\" id=\"did-you-find-this-helpful-yes\" data-type=\"button\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Yes\" data-outcome=\"response submitted\"><br \/>\n                <span class=\"Icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Thumbs Up Icon<\/title><path d=\"M13.165 2.175c.322 0 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0-.323.322c-.075.15-.075.603-.075 1.226v7.68c0 .623 0 1.075.075 1.226.075.14.183.247.323.322.15.075.603.075 1.228.075h.16c.625 0 1.078 0 1.228-.075a.778.778 0 0 0 .324-.322c.075-.151.075-.603.075-1.227V5.423c0-.623 0-1.076-.075-1.226a.722.722 0 0 0-.324-.322c-.15-.076-.603-.076-1.227-.076h-.161Z\" class=\"icon-base\"\/><\/svg><\/span> <span class=\"text-base leading-4\">No<\/span><br \/>\n            <\/button>\n        <\/div>\n<\/p><\/div>\n<p>    <!-- Yes Form --><\/p>\n<p>    <!-- No Form --><\/p>\n<div class=\"HelpfulCTA-thankyou flex flex-col items-center gap-2\" data-cta-thankyou=\"\" style=\"display:none;\">\n<p>Thank you for your<br \/>\n            feedback!<\/p>\n<p>Your input helps us improve our<br \/>\n            content and services.<\/p>\n<\/p><\/div>\n<\/div><\/div>\n<p>Read the full article <a href=\"https:\/\/www.bankrate.com\/mortgages\/first-time-homebuyer-loans-and-programs\/\" target=\"_blank\" rel=\"noopener\" rel=\"nofollow\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Morsa Images\/GettyImages; Illustration by Hunter Newton\/Bankrate Key takeaways Many first-time homebuyer programs operate at the state level, through a state housing finance agency. Others are federal, and some are offered through nonprofits or employers. To qualify for a first-time homebuyer program, you may need to live in a certain area or have a certain profession,<\/p>\n","protected":false},"author":1,"featured_media":23123,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[58],"tags":[],"class_list":{"0":"post-23122","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-homes"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>First-Time Homebuyer Loans And Programs | InfinPros<\/title>\n<meta name=\"description\" content=\"Morsa Images\/GettyImages; Illustration by Hunter Newton\/Bankrate Key takeaways Many first-time homebuyer programs operate at the state level, through a\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/infinpros.com\/?p=23122\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"First-Time Homebuyer Loans And Programs | InfinPros\" \/>\n<meta property=\"og:description\" content=\"Morsa Images\/GettyImages; 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