First-Time Home Buyer Loans
First-Time Home Buyer Loans in Ohio and Pennsylvania
Buying your first home shouldn't feel like a test you didn't study for. We explain your options in plain English and then shop them across multiple lenders.
Programs we can compare
- FHA: lower down payment and more flexible credit guidelines.
- Conventional: low down payment options for qualifying first-time buyers.
- VA and USDA: no-down-payment options for qualified borrowers, including eligible veterans and service members (VA) and buyers in USDA-eligible areas who meet income limits (USDA).
Eligible Ohio buyers may qualify for Ohio Housing Finance Agency (OHFA) programs, and eligible Pennsylvania buyers may qualify for Pennsylvania Housing Finance Agency (PHFA) programs. Program availability, terms and eligibility rules are set by each agency and can change; we'll check which ones fit your situation.
Your first step
Get pre-approved before you shop, so you know your price range and your offer carries weight with sellers.