HTEM Loan Calculator
First Time Home Buyers Loans

First Time Home Buyer Lenders Missouri

Buying your first home can be exciting and yet very stressful. For over 14+ years, the helpful folks at Hometown Equity Mortgage have guided friends and neighbors throughout Missouri, Wisconsin, Illinois, Kansas and (now) California to find that perfect first home, quickly and painlessly as possible.

Zero Down Payment Home Loans

There are only two programs available to purchase a home with a zero down payment:

1)  Veterans or VA Loans
Military veterans can qualify for affordable, below market interest rates in obtaining mortgage financing throught the VA program. Qualified veterans are those who served on active duty and applied for financing within 25 years after the date of which the veteran left service. Read more at Veterans Affairs.

2)  USDA or Rural Loans.
For a USDA loan there are restrictions to where you can live. Read more on USDA loans.

If you don’t wish to buy in a rural area or aren’t a veteran then please read the information below.

FHA Loans

The FHA loan offers energy efficient mortgages, loans for manufactured or mobile homes, 203k rehabilitation loans and several other programs.

Read more here

Read more on USDA Loans


Start By Getting a Free Mortgage Quote!

Hometown Equity Mortgage lenders make it easy to get a first time home loan. Click on the banner below or call us and we’ll be happy to discuss your needs at (855) 563-4836


FREE Mortgage Quote


Disclaimer: Certain restrictions and credit approval apply; not all applicants will qualify. All approvals are subject to underwriting guidelines which include but are not limited to: acceptable credit & income history, current homeowners insurance, property value, debt to income ratio, etc. Minimum & maximum loan amounts apply. Please contact Hometown Equity Mortgage for further details.