First-time home buyer loans and down payment assistance programs in the East Bay. Get pre-approved and explore FHA, conventional, and DPA options with Katrina Carter.
Katrina Carter, Senior Mortgage Advisor
Empire Home Loans
Phone: (510) 213-2677
Email: [email protected]
NMLS# 1737872
Company NMLS# 1839243
First-time home buyer loans and down payment assistance programs in the East Bay. Get pre-approved and explore FHA, conventional, and DPA options with Katrina Carter.
Buying your first home is one of the biggest financial decisions you'll make. I'll guide you through every step, from pre-approval to closing, with loan programs designed specifically for first-time buyers in the East Bay.
I work with a variety of loan programs that make homeownership accessible, even if you don't have a large down payment saved. Here are the most popular options for first-time buyers in the East Bay market:
Down payments as low as 3.5% with more flexible credit requirements. A great option for buyers with limited savings or shorter credit histories.
Conventional financing with just 3% down. No upfront mortgage insurance premium and competitive rates for qualified buyers.
For eligible veterans and active military. Zero down payment, no mortgage insurance, and competitive rates.
Many first-time buyers don't realize they qualify for down payment assistance programs. I can help you access state and local programs that provide grants or second loans to cover your down payment and closing costs.
Let's get you pre-approved and discuss your down payment options. No obligation, just clear answers.
Senior Mortgage Advisor at serving the East Bay with over 30 years of real estate experience.
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