First-time homebuyers face unique challenges when seeking mortgage financing. These national lenders offer specialized programs, competitive rates, and dedicated support for new homebuyers. Listed in alphabetical order.

1. Bank of America

HomeReady program with 3% down payment options, down payment assistance programs, and first-time homebuyer credit up to $7,500. Visit.

2. Caliber Home Loans

FHA and conventional loans with down payments as low as 3%, educational resources, and dedicated loan consultants for first-timers. Visit.

3. Fairway Independent Mortgage

Comprehensive first-time buyer programs, including FHA loans, VA loans, and state-specific down payment assistance options. Visit.

4. Guild Mortgage

Specialized programs for buyers with student loan debt, 3-2-1 home program with only 3% down, and extensive down payment assistance options. Visit.

5. Guaranteed Rate

Digital-first platform with FHA loans and conventional mortgages requiring as little as 3% down, plus responsive customer service. Visit.

6. Rocket Mortgage

User-friendly digital platform, Fresh Start program for credit improvement, and multiple low down payment options starting at 3%. Visit.

7. U.S. Bank

American Dream program with 3% down payment, no private mortgage insurance requirement, and closing cost assistance options. Visit.

8. Wells Fargo

DreaMaker program offering low down payments, optional homebuyer education discounts, and down payment assistance programs. Visit.