First-Time Home Buyer Loans | East Bay | Katrina Carter

First-Time Home Buyer Loans | East Bay | Katrina Carter

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.

First-Time Home Buyer Loans

Loan Options for First-Time Buyers

FHA Loans

Conventional 97

VA Loans

Down Payment Assistance

The First-Time Buyer Process

Common Questions

Ready to Buy Your First Home?

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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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• Loan Programs First-Time Home Buyer Loans 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. Loan Options for First-Time Buyers 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: FHA Loans 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 97 Conventional financing with just 3% down. No upfront mortgage insurance premium and competitive rates for qualified buyers. VA Loans For eligible veterans and active military. Zero down payment, no mortgage insurance, and competitive rates. Down Payment Assistance 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. Learn More About DPA
• window.open('https: Senior Mortgage Advisor at serving the East Bay with over 30 years of real estate experience. | NMLS | NMLS Navigation Home
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• navigate('/services')} className="block hover:text-white transition-colors">Loan Programs
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