First Time Homebuyer?
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Purchasing a home is an exciting time and one of the most important financial decisions that you will ever make. We’re here to help you become familiar with the home buying process and your mortgage loan options so that you’re prepared for your upcoming purchase.
Before you make the biggest financial decision of your life, talk to a Ritter Mortgage Group loan specialist. We’ll discuss your long-term financial goals and how your first mortgage can help you reach them - with a payment that's affordable!
Popular Loan Options
Different down payment options make this a popular option for first-time homebuyers. Well-qualified buyers can purchase with as little as 1% down - without mortgage insurance. Contact us to learn more about special opportunities for physicians, and conventional 100% ARM financing for well-qualified borrowers.
Purchase your home with as little as 3.5% down, using gift funds from a family member to assist with your down payment and closing costs. Grant programs are available to reduce the cash needed to $0, with up to a 4.5% grant for the FHA down payment and closing costs. Contact us to learn more about this unique FHA opportunity.
Active military member and eligible veterans can purchase with 0% down without the cost of monthly mortgage insurance. Flexible credit requirements make the VA loan the perfect choice for those that have served our country.
Homes in non-metropolitan areas qualify for this unique 0% down program, allowing rural buyers to finance 100% of the purchase price within miles of certain city centers. 97% of U.S. land mass is eligible for USDA financing, representing about one-third of the suburban U.S. population. Contact us to learn more.
Looking to purchase a home in need of renovations? Finance home improvements with as little as $100 down in certain areas. Major and minor renovations are eligible using conventional and FHA financing. Contact us to learn more.
Looking to build your next home? We offer true one-time close construction financing for conventional, FHA, and VA borrowers. Contact us to learn more about our zero down and 3.5% down payment construction financing options.