What is the best loan for first timers?

Last updated: November 23, 2025

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The “best” loan really depends on your budget, credit, and goals, but here’s a quick guide:

  1. FHA Loans – Great for buyers with lower credit scores or smaller down payments. You can qualify with as little as 3.5% down.
  2. Conventional 97 Loans – Require only 3% down, best for buyers with good credit.
  3. VA Loans – Zero down payment for eligible veterans and active-duty military.
  4. USDA Loans – Zero down payment for homes in rural areas, with income limits.
  5. State & Local First-Time Buyer Programs – Grants, down payment assistance, and lower interest rates are often available in Texas through programs like TSAHC, TDHCA, or city-specific programs.

At Trealtorr, we don’t just suggest loans — we match you with the right program for your situation. That means:

  • Lower monthly payments
  • Access to grants and down payment assistance
  • Stress-free approval process

📲 Call or text us today at +1 (347) 831-6085 — we’ll help you find the perfect loan for your first home!

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