Mortgage Options for First-Time Homebuyers

The homebuying process can be overwhelming for first-time buyers. It’s hard to know the best mortgage program for your situation. We can help. At Guardian Savings Bank, we want to make the mortgage process as simple as possible, with multiple options for first-time buyers such as Home Possible®, USDA loans, and FHA loans.

Home Possible® Mortgage

This mortgage program offers flexibility, making it ideal for many borrowing situations. Home Possible® helps low- to moderate-income borrowers find more affordable down payment options.

Conventional Mortgage Loan

We understand that not all first-time homebuyers qualify for specialty mortgage loans. That’s why we offer low-cost, low-rate mortgage options to those who are eligible, ensuring that affordable home mortgages are within reach for everyone in our communities.

USDA Loan

Tailored for rural and suburban homebuyers, this zero-down-payment mortgage option is backed by the U.S. Department of Agriculture. Its goal is to foster affordable housing opportunities for low- to moderate-income families within designated regions.

FHA Loan

FHA loans make homeownership more accessible with low down payment options, flexible credit score requirements, acceptance of gifted funds, competitive government-backed interest rates, absence of prepayment penalties, and the opportunity for sellers to cover closing costs.

There’s a Program for You

We’re proud to offer a variety of programs to meet our clients where they need to be. With reduced mortgage insurance premiums and little-to-no-down-payment options, you can be confident that Guardian Savings Bank is in your corner.

Ready To Get Started?

At Guardian Savings Bank, we’re ready to help you find the perfect mortgage plan, whether it’s for your first home or your fifth. Contact one of our loan officers today to see which mortgage products you’re eligible for.