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First Time Homebuyers

We’re First Time Home Buyer Lenders in St. Charles, Missouri

Buying your first home can be exciting and yet very stressful. Since 2001, the helpful folks at Hometown Equity Mortgage have guided friends and neighbors in St. Charles, St. Louis and Kansas City, Missouri and also Alabama, California, Colorado, Connecticut, Florida, Georgia, Illinois, Kansas, Kentucky, Louisiana, Maryland, Michigan, New Jersey, Ohio, Oregon, South Carolina, Tennessee, Texas, Utah and Washington states, to find the perfect home, quickly and painlessly as possible.

Zero Down Payment Home Loans

There are only two grant 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 following information.

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

How do I get started with a zero down mortgage loan?

Hometown Equity Mortgage lenders make it easy to get a first time home buyer loan with zero down. Apply online to see if you qualify by clicking on the banner below or call us and we’ll be happy to discuss your needs at (855) 563-4836

Apply Now

“As a first time home buyer, Bob McGrail/Hometown Equity Mortgage guided me through the process and made it easy. Not only was he diligent in getting the work done, he knew the ins and outs of a very particular loan that I needed. They got my loan done fast and found every opportunity to get me every benefit possible throughout buying this home. I would highly recommend Hometown Equity Mortgage to anyone buying a home.”

Craig / Kansas City


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.

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