First Time Homebuyer

Are you a first time homebuyer? Congratulations! This is an exciting milestone in your life. Buying a home can be a complex process, but with the right guidance, it can also be a rewarding experience.

At Cliff Mortgages, we specialize in helping first time homebuyers navigate the real estate market and find their dream home. Our team of experienced agents will work closely with you to understand your needs and preferences and guide you through every step of the home buying process.

Great Loan Programs to help you accomplish success:

• Conventional -1% Down Payment paid by you and the lender will help with paying 2% or up to $4,000 of the purchase or appraised value (whichever is lesser). Total down payment should equal 3%
• Gift money is okay to be used for the whole down payment
• No requirement to be a first time homebuyer. However, if all buyers are first time homebuyers, First Time Home Buyer Counseling is required. Get your Certificate early so can submit it with your purchase offer. The simple class can be done online and we can give you the link to sign up.
• Temporary Buydown are allowed - both Lender Paid and Seller Paid
• 97% LTV
• Minimum FICO score is 620
• Owner Occupied property only on this program
• Other programs available for First Time Homebuyers too!

Don't let the fear of the unknown hold you back from becoming a homeowner. Contact us today at or email us at cindy@cliffmortgages.com to schedule a consultation. We can't wait to help you find your first home!

Buying your first home is a big step, but with the right support, it can also be an exciting adventure. Let us be your guide and help you find the perfect home for you. Contact us today to get started!