First Time? No Worries!
Helping You Discover A
Seamless Buying Experiance

Flint Hills Mortgage is your trusted partner in seamlessly navigating the path to homeownership, especially tailored for first-time buyers. Our dedicated team specializes in guiding you through the process, offering expert advice on FHA loans with low down payments, VA loans for veterans and active-duty service members, and USDA loans for properties in eligible rural areas. Whether you’re exploring down payment assistance programs or seeking competitive rates, we’re here to ensure your journey to owning your first home is smooth and stress-free. Contact us today and let’s start turning your homeownership dreams into reality

Easy and Safe

Flint Hills Mortgage works with a streamlined process ensures straightforward transactions, while our commitment to security safeguards your personal information throughout. Trust us to make your home financing experience simple and secure. Get started today!

Better Price

At Flint Hills Mortgage, we prioritize offering competitive pricing tailored to your financial needs. Through our extensive network of lenders and our commitment to finding the best rates available, we ensure you get a better price on your mortgage. Experience affordability and value with Flint Hills Mortgage. Contact us today to explore your options!

Ideal Investment

Choosing Flint Hills Mortgage makes your investment ideal. With our expertise in finding competitive rates and personalized mortgage solutions, we help you make smart financial decisions that align with your long-term goals. Trust Flint Hills Mortgage to maximize the value of your investment.

Always Ready

Flint Hills Mortgage is always prepared to meet your needs promptly and efficiently. Our dedicated team is committed to providing responsive service and expert guidance throughout your mortgage journey. Whether you’re ready to buy your first home or refinance, count on Flint Hills Mortgage to be there for you every step of the way.

Purchase With Ease

Available Programs For First Timer Home Buyers

Flint Hills Mortgage specializes in navigating these programs to help first-time buyers find the best option for their financial situation and homeownership goals. 

01

FHA Loans:

Ideal for buyers with lower credit scores or limited down payment funds, offering down payments as low as 3.5%.

02

VA Loans:

Exclusive to veterans, active-duty service members, and eligible spouses, featuring no down payment and competitive interest rates.

03

USDA Loans:

Designed for buyers purchasing homes in rural areas, offering no down payment options and favorable terms.

05

Conventional Loans:

Available with competitive interest rates and flexible terms for buyers who meet credit and income requirements.

06

0 Down Conventional Loans:

A “0 down conventional loan” lets qualified borrowers purchase a home without making a down payment. Unlike typical conventional loans that require a down payment of 3% to 20%, this option allows buyers to finance the entire purchase price upfront. It’s ideal for those with strong credit and looking to minimize upfront costs.

07

Down Payment Assistance Programs:

Various state and local programs that provide grants or loans to help cover down payments and closing costs.

Disclaimer

Loans are subject to credit approval. Terms and conditions apply. VA loans are available to eligible veterans, active-duty service members, and certain spouses. USDA loans are available for properties located in eligible rural areas and are subject to income limits. FHA loans require mortgage insurance premiums and have specific eligibility requirements. Conventional loans typically require a down payment and private mortgage insurance (PMI) if the down payment is less than 20% of the home's purchase price. 0 down conventional loans are subject to lender approval and may have stricter credit and income requirements. Borrowers should consult with a mortgage specialist to determine eligibility and explore all available loan options.

Ready To Make The Change?

Please submit your application today, and a dedicated Flint Hiss Mortgage Specialist will promptly contact you. It is our commitment to deliver expedient service to our valued clients.

Have A Question?

Flint Hills Mortgage Has An Answer

Flint Hills Mortgage offers a variety of loan options including FHA, VA, USDA, and conventional loans tailored to meet the needs of first-time buyers.

Down payment requirements vary by loan type. FHA loans may require as little as 3.5% down, while VA and USDA loans offer options with no down payment. Conventional loans typically require 3% to 20% down depending on creditworthiness.

Credit scores influence your interest rate and loan approval. Flint Hills Mortgage works with borrowers across a range of credit scores and offers guidance on improving credit profiles.

Flint Hills Mortgage can help you explore down payment assistance programs, grants, and special incentives available for first-time buyers in your area.

Pre-qualification provides an estimate of how much you may be able to borrow based on basic information. Pre-approval involves a thorough review of your finances, making you a stronger buyer with a conditional commitment from the lender.

FHA loans offer low down payment options. VA loans provide no down payment for eligible veterans. USDA loans offer no down payment for homes in rural areas. Conventional loans provide flexibility and competitive rates.

Closing costs include fees for loan origination, appraisal, title insurance, and other services. They generally range from 2% to 5% of the home’s purchase price.

Common documents include pay stubs, W-2s, bank statements, tax returns, and identification (driver’s license, passport). Our team will guide you through the documentation process.

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At closing, you’ll sign legal documents, pay closing costs, and any remaining down payment. Once completed, you’ll receive keys to your new home and officially become a homeowner.

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123 Somewhere St.

City, ST 12345

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