First-time homebuyers
Start your homeownership journey with clarity.
I meet first-time buyers where they are — no jargon, no pressure, and no assumptions about what you already know.
What lenders review
Credit history, income and employment, assets and reserves, monthly obligations, and property characteristics.
Preparing your documents
Common documentation includes ID, recent pay statements, W-2s or tax returns, and bank statements.
Understanding costs
Home purchase costs typically include the down payment, closing costs, and reserves — I'll walk through examples.
Choosing a program
Depending on your situation, conventional, FHA, VA, USDA, or other options may be worth considering.
Down Payment Assistance
Your Down Payment May Not Have to Be the Biggest Obstacle.
Down payment assistance programs may help qualified buyers with some of the upfront investment required to purchase a home. Depending on the program, assistance may be available for down payment, closing costs, or both.
As a mortgage loan officer serving Knoxville, TN and East Tennessee, as well as Kentucky, Georgia, and Ohio, I help buyers understand which homebuyer assistance options may be available where they plan to purchase.
Down Payment Help
Some down payment assistance programs may provide funds toward the down payment required for a home purchase — which can matter most for a first-time homebuyer still building savings.
Closing Cost Assistance
Certain programs may help eligible buyers cover some closing costs, potentially allowing more of their available cash to remain in reserves after closing.
Programs Vary
Eligibility, income limits, credit requirements, property requirements, repayment terms, and the amount of assistance available vary by program and by location.
Is DPA Right for You?
Down payment assistance isn't automatically the best strategy for every buyer. The right approach depends on the loan program, purchase price, available savings, monthly payment, income, credit profile, and long-term plans. Nathan can help you compare the available options and understand the tradeoffs before you decide.
Learn more on the first-time homebuyer guide, compare mortgage loan options, or contact Nathan with questions.
Down payment assistance programs are subject to program guidelines, eligibility requirements, funding availability, and other restrictions. Not all borrowers or properties will qualify. Program availability and terms may change.
Your first door
The first home is the beginning of everything you build next.