Your First Home, Made Simple.
Low-down-payment options, step-by-step guidance, and a fast online process, so you can buy your first home with confidence.
One loan. Flexible ways to buy.
However you earn, there’s likely a path to approval.
- Low down payment options on an eligible purchase*
- Standard documentation: income, assets, and credit
- First-time buyer education may be required on some programs*
- Gift funds are allowed on an eligible purchase*
- Conventional, FHA, VA and USDA routes compared
- You occupy the home as your principal residence
Loans from eligible amounts up to conforming loan limits*
Buy or refinance without cash out
Primary, second home, or investment property
Standard documentation: income, assets, and credit
Low-down-payment options available*
Fixed-rate and adjustable-rate (ARM) options
What is the Saxton First-Time Buyer Loan?
The route most people take into a first home, explained before it is sold
The Saxton First-Time Buyer Loan is a full-featured mortgage that follows Fannie Mae and Freddie Mac guidelines, built to answer the questions first-time buyers actually ask.
Qualify with standard documentation: income, assets, and credit reviewed the usual way.
Use it to purchase a home, or to refinance your current mortgage on a rate and term basis, on a primary residence.*
Why choose the Saxton First-Time Buyer Loan?
Built for qualified buyers whose standard documentation don’t tell the whole story.
Nobody Explains This Part
Most first-time buyers are sold a product before anyone explains the choice between them. This page does it the other way round.
Saving Is The Obstacle
Cash for a down payment stops more first purchases than credit or income ever do, and there are more routes around it than most people know.
Move-Up & Repeat Buyers
Start here, and move up later when the time comes.
Gift Funds Count
On an eligible purchase the down payment can come from a family gift rather than only from your own savings.*
Insurance With An End
On a conventional loan mortgage insurance can come off once you have built enough equity. On FHA it usually cannot.*
Four Doors, One Decision
Conventional, FHA, VA and USDA all serve first-time buyers. Which is cheapest for you depends on credit, service history and the address.
Hear From Homeowners Like You
Frequently Asked Questions
Straight answers for people buying their first home.
Loan limits follow the annual conforming limits set by county. For 2026 the one-unit limit is $832,750, rising to $1,249,125 in higher-cost counties, with jumbo options above those limits.
Yes. Low-down-payment options make buying your first home more attainable.*
Yes. You can purchase a primary residence, and low-down-payment options are available for qualified buyers.*
There is no fixed minimum credit score on this program. Eligibility is determined by automated underwriting, which weighs your credit history alongside your income, assets, and the property. Stronger credit generally opens more options.
Less than most first-time buyers expect. Low down payment options exist on conventional, FHA, VA and USDA, and which one fits depends on your credit, your service history and where you are buying.*
Yes. Fixed-rate and adjustable-rate (ARM) options are available on eligible programs.
No. First-time and repeat buyers are both eligible.
Find out what you qualify for
Whether you’re just starting to look or ready to write an offer, there’s likely a Saxton First-Time Buyer Loan program that fits. Get a fast, no-obligation pre-qualification today.
Get Pre-Qualified- Consumer Financial Protection Bureau, buying a house: tools and resources for homebuyers
- Consumer Financial Protection Bureau, mortgages
*Loan amounts, rates, terms, and down payment requirements are subject to credit approval, income and asset verification, and program eligibility. Loan limits follow the annual conforming limits set by county. Down payment and cash-out limits vary by occupancy, credit score, and documentation type. Not all applicants will qualify. Saxton Mortgage, LLC is an Equal Housing Lender.