Buying your first home can feel overwhelming, but you don't have to figure it out alone. There are federal and state programs designed to help make your dream of homeownership a reality.
National programs for first-time buyers
The Federal Housing Administration insures loans that allow lower down payments and more flexible credit requirements. This is one of the most popular options for first-time buyers nationwide.
If you're a veteran, active-duty service member, or eligible surviving spouse, VA loans offer some of the best terms available—including zero down payment in many cases.
Many Delta-area properties qualify for USDA loans, which offer zero down payment options for homes in eligible rural areas. Don't let 'rural' fool you—many suburban areas qualify.
The resources and program information provided on this page are for general informational purposes only. In accordance with the Real Estate Settlement Procedures Act (RESPA), I do not endorse, recommend, or receive compensation from any specific lender, mortgage company, or settlement service provider. You are free to shop for and select any qualified provider of your choosing. Program availability, terms, and eligibility requirements are subject to change. Please contact the administering agencies directly for the most current information.
After helping dozens of first-time buyers in the Delta, here's what I want you to know.
I've seen buyers leave thousands of dollars on the table because they assumed they wouldn't qualify. The income limits are often higher than you'd think—many middle-class families qualify.
Before you start house hunting, get pre-approved for a mortgage. You'll know exactly what you can afford, and sellers take your offers more seriously when you have financing lined up.
Online lenders might seem convenient, but local mortgage professionals know these assistance programs inside and out. That expertise often means smoother closings and better outcomes.
Program applications, classes, and lender approvals take time. If you're thinking about buying in the next year, start exploring these resources now. Future-you will thank you.
These programs are wonderful resources, but navigating them alongside the home search can feel like a lot. I'm here to help connect the dots and make sure you're taking advantage of every opportunity available to you.