First-Time Buyers
Just starting out? You are in exactly the right place.
Buying your first home can feel overwhelming. It does not have to be. Brooke walks first-time buyers through every option, including the low and no down payment programs most people never hear about.
Book Your Free CallPrograms Built For First-Time Buyers
You may need far less than you think.
Twenty percent down is a myth for most first-time buyers. Here are the programs Brooke uses to get families into their first home.
FHA Loans
A popular first-time option with a low down payment (as little as 3.5%) and flexible credit guidelines. Great when you are still building savings or credit.
VA Loans
For eligible veterans, active service members, and surviving spouses. Often zero down and no monthly mortgage insurance. A powerful benefit you have earned.
USDA Loans
Zero down financing for eligible homes in many suburban and rural Oklahoma areas. More neighborhoods qualify than most buyers expect.
Low-Down Conventional
Qualified first-time buyers can put down as little as 3%, with the option to remove mortgage insurance later as you build equity.
One-Time-Close Construction
Want to build your first home? One closing covers construction and your permanent mortgage, with FHA, VA, and USDA options available.
Not Sure Yet?
That is exactly what the first call is for. Brooke looks at your full picture and tells you which program fits, with no pressure and no obligation.
Down Payment Assistance
Help with your down payment is real.
Many first-time buyers assume they need a huge down payment or that assistance does not exist. Many states have down payment assistance programs, like the Oklahoma Housing Finance Agency (OHFA), that can help cover part of your down payment and closing costs for buyers who qualify.
The rules and amounts change, and not everyone qualifies, so the smartest move is a quick conversation. Brooke helps you find out exactly what is available to you and whether it is the right fit.
See If You QualifyLive on YouTube & Facebook
Brooke is a panelist on Broke Is a Mindset, an Oklahoma show that turns "I can't afford it" into a real plan for owning a home. Honest conversations on money, mindset, and the assistance programs most buyers never hear about, alongside Realtor Trish King and OHFA's Valenthia Doolin.
First-Time Buyer Questions
The questions everyone asks.
How much do I need for a down payment on my first home?
Often far less than 20 percent. FHA loans can go as low as 3.5 percent down, conventional as low as 3 percent for qualified first-time buyers, and VA and USDA loans can be zero down for those who are eligible. Down payment assistance may cover part of it too.
What is down payment assistance, and do I qualify?
Down payment assistance helps cover part of your down payment and closing costs, often through state programs like OHFA in Oklahoma. Eligibility depends on income, credit, and the loan type. Many buyers qualify and never realize it, so it is worth asking.
Can I buy my first home with no money down?
Possibly. VA loans (for eligible veterans and service members) and USDA loans (for eligible areas) can require zero down payment. Brooke helps you find out if you qualify for a no-down option before you start looking.
What is an FHA loan?
An FHA loan is a government-backed mortgage with a low down payment and flexible credit requirements, popular with first-time buyers. It is a strong option when you are still building savings or your credit is not perfect yet.
Can a first-time buyer build a home instead of buying?
Yes. A one-time-close construction loan lets you build with a single closing, rolling construction and your permanent mortgage into one loan, with FHA, VA, and USDA options for qualifying first-time buyers.
Your first home is closer than you think.
Start With a Free CallThis page is general education only and is not a commitment to lend or an offer of any specific rate, program, or term. Program availability, eligibility, and terms vary by borrower and property and are subject to underwriting approval. Down payment assistance programs are offered by third parties such as OHFA and are subject to their terms. Licensed in AL, AR, CO, KS, MO, OK, and TX. Brooke Gagliardi NMLS #1402950. Flat Branch Home Loans NMLS #224149. Equal Housing Lender.