First Time Home Buyer | Home Purchase

As a first-time home buyer, you have many options to choose from when financing your first home.  GSF Mortgage will help guide you through the home process and help you make the best decision for you financially and personally.


Home Loan Programs

Not all home loans are created equally. What works for one borrower may not work for you.  Your personal situation is unique.  Therefore, we need to make sure to find you the right loan program.

USDA Rural Development:

The USDA Rural Development Single Family Housing Guaranteed Loan Program - or USDA Home Loan - is one of the most powerful mortgage options available for rural and suburban homebuyers.

  • 100% Financing - No Down Payment Required
  • Excellent Credit Not Required
  • Low Fixed Rates

VA Home Loan:

VA loans are designed to help active duty military and veterans qualify for homeownership and are one of the most popular choices among eligible first-time homebuyers and eligible military personnel.

  • Zero Down Payment
  • Lower Interest Rates
  • No Monthly Mortgage Insurance Premiums

FHA Home Loan:

FHA Loans are designed to make homeownership more affordable. You can purchase a home with a lower down payment, less documentations and a lower credit score than a conventional loan.

  • Low Down Payment
  • Allows 100% Gift Funds
  • FHA Insures All Types of Properties

Conventional Home Loan:

Conventional mortgages are ideal for buyers with excellent credit and can afford a down payment between 5-20%.  There are options for down payments on conventional loans with as little as 3% down.


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