Beautiful suburban home with a Pre-Approved stamp overlayed on the image

First-Time Home Buyer Loans in Southlake, TX

Buying your first home can feel overwhelming—but it doesn’t have to be. At Assurance Home Loans, we specialize in helping first-time buyers in Southlake and the surrounding areas secure financing with confidence, clarity, and support every step of the way.

What Is a First-Time Home Buyer Loan?

First-time home buyer loans are mortgage programs designed to make it easier for new buyers to purchase a home. They often offer lower down payment requirements, reduced closing costs, and flexible qualification guidelines. We’ll help you find the one that fits your goals and situation.

Popular Loan Programs for First-Time Buyers

FHA Loans – 3.5% down payment and flexible credit requirements
Conventional 97 Loans – Just 3% down for qualified borrowers
VA Loans – 0% down for eligible veterans and service members
Down Payment Assistance – State and local grants to reduce upfront costs
USDA Loans – 0% down for eligible rural properties

Your First Home—With the Right Guidance

We understand that buying your first home isn’t just about numbers—it’s about peace of mind. That’s why we take time to answer your questions, explain your options, and help you understand every part of the loan process.

Step-by-Step First-Time Buyer Process

Discovery Call – We get to know your goals and financial picture
Pre-Qualification or Pre-Approval – Understand your home budget
Loan Program Match – Find the best program for your needs
Document Prep & Application – We walk you through the paperwork
Closing Day – You get the keys—and peace of mind

Why First-Time Buyers Love Working with Us

We break down the process in simple terms
Access to multiple lenders and special programs
Personalized guidance from start to finish
Local knowledge of Southlake and surrounding markets
We help you avoid common first-time buyer mistakes

Let’s Make Homeownership Happen for You

We’re here to make your first home purchase smooth and successful. Let’s explore your options and get you pre-approved today.

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First-Time Buyer FAQs

Do I need perfect credit to buy a home?

Not at all. Many programs are designed to help buyers with fair or limited credit histories.

How much do I need for a down payment?

Some programs offer as little as 3% down—or even 0% with VA or USDA loans. There are also grants available for conventional and FHA loan programs.

Can I get help with my closing costs?

Yes. Many state and local programs offer assistance for both down payment and closing costs.

Pursuing the Art of Home Financing

You have a CHOICE when you need mortgage financing, and it is a PRIVILEGE to be considered for the job! We hope to EARN your goodwill and begin a long-time FRIENDSHIP with you.