Loan program
First Time Home Buyer
Programs and guidance built specifically for buyers purchasing their first home.
Your first home is a milestone. We walk you through every step, every document, and every choice — with patience and zero pressure.
Buying your first home is one of the biggest financial decisions you'll ever make. The good news: it's also one of the most well-supported. Federal and state programs exist specifically to help first-time buyers, and Evergreen Ridge Financial Group maintains expertise in all of them.
We start with a free consultation. No commitment, no credit pull, no high-pressure sales pitch. We learn your goals, look at your numbers, and tell you honestly what you can afford — and what you'll need to do to get there.
Then we work with you on credit, savings, and program selection. By the time you make an offer, you have a written pre-approval, a realistic budget, and a team ready to close in 30 days.
What it gives you
Low Down Payment
3% conventional, 3.5% FHA, 0% VA/USDA — we find the right fit.
Down Payment Assistance
State and county DPA programs can layer grants or low-interest second loans.
Education & Coaching
Free home-buyer education, credit prep, and budget planning.
No Pressure
You set the pace. We answer questions until you feel confident.
How it runs, start to finish
- 1
Free Consultation
A loan officer reviews your goals, finances, and timeline — no commitment.
- 2
Pre-Approval
Get a written pre-approval letter to shop with confidence.
- 3
House Hunt
We coordinate with your agent and update pre-approvals as offers change.
- 4
Close
We handle the loan, the closing, and the celebration text afterward.
Questions people ask about this one
How much income do I need?
There's no minimum income. Your debt-to-income ratio matters more — typically up to 43%–50% depending on program.
What credit score do I need?
FHA goes as low as 580. Conventional needs 620. Better rates open up at 680, 720, and 740.
How much do I really need saved?
For an FHA loan on a $400k home, you might need only $14k down plus $5k–$10k closing costs. Some programs reduce that further.
How long does the process take?
From pre-approval to closing: typically 30–45 days once you have an accepted offer.
Programs people look at next
The first step is a conversation, and it costs nothing.
No documents, no credit pull, no obligation afterwards. Just somebody explaining the part you are stuck on.
Or call(503) 555-0175and ask for whoever is free.
