California First Time Home Buyer Loan Programs

RTC Mortgage offers many California first time home buyer loan programs that will ensure you have the best possible chance to get pre-qualified to buy your first home or condo!

RTC Mortgage offers the following loan programs that are ideal for the First Time Home Buyer: Home Ready™, Home Possible®, FHA, USDA, and VA.

california first time home buyer

Home Ready™ – Qualify for a lower rate with as little as 3% down

Home Possible® – Qualify for a lower rate with as little as 3% down

FHA – Down Payments as low as 3.5%

USDA – 0% Down available on eligible rural properties for low to moderate income buyers.

VA – 0% Down for Veterans up to $453,100* and loan amounts up to $1,000.000.

*California loan limits apply.

Buying a home or condo is a big deal, whether you’re doing it for the first time or getting back into the ever-changing market. We want you to navigate through all the steps of the process feeling informed and confident. That’s why we partnered with Framework, a leading provider of online home buyer education. Learn more about our Home Buyer Counseling.