Loan Products We Offer

Purchase & First Time Home Buyer Loans

Whether you’re a first-time buyer or moving into your next home, purchase loans provide the financing you need to make your move. We help you explore your options and secure a loan that fits your budget and lifestyle. We offer down payment assistance and tailored programs designed to help first-time buyers.

Refinance Loans

Lower your rate, shorten your term, or reduce your monthly payment with a refinance loan. We’ll guide you through options that help you save money and reach your financial goals faster.

Conventional Loans

Flexible terms and competitive rates make conventional loans a strong option for many buyers. Ideal for those with solid credit, these loans can be tailored to fit your financial goals.

FHA Purchase, Refinance, and Streamline Loans

FHA loans are designed to help more people become homeowners with lower down payment requirements and flexible credit guidelines. Perfect for first-time buyers or those re-entering the market.

VA Purchase, Refinance, and Streamline Loans

Exclusive to veterans, active-duty service members, and eligible spouses, VA loans provide powerful benefits including no down payment, competitive rates, and flexible terms.

USDA Purchase, Refinance, and Streamline Loans

If you’re purchasing in a qualified rural or suburban area, USDA loans offer no down payment options and affordable financing, making homeownership more accessible.

Additional Information

HomeFirst Mortgage, NMLS #310447, is a licensed mortgage bank that originates, underwrites, and funds both conventional and government-insured loans. HomeFirst Mortgage is not a federally chartered bank or trust company, or depository institution. It is not authorized to accept deposits or trust accounts and is not licensed or regulated by any state or federal banking authority. HomeFirst Mortgage holds various state licenses as a mortgage lender in California, Colorado, Florida, Texas, and Oregon. California: Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. DFPI License # 41DBO-46410. Click here to view our current licensing information as listed on NMLS® Consumer Access.

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. REFER TO H1mb.com.

THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT-OF-POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILLED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV .