Talk To - call (612) 805-6353

Talk To Gaston - call (612) 805-6353

Your First Home May Be Closer Than You Think

Understand your buying power, explore available loan options, and get clear guidance through every step of purchasing your first home.

Start Your Homebuying Journey with Clarity and Confidence

Gaston Garrido

Mortgage Loan Officer

  • Understand Your Buying Power

  • Explore Down-Payment Options

  • Prepare to Make an Offer

  • Get Guidance From Start to Finish

Loan Options for First-Time Homebuyers

FHA Loans
Flexible qualification guidelines with down payments beginning at 3.5% for eligible borrowers.

Conventional Loans
Certain programs allow down payments as low as 3% for qualified buyers.

VA and USDA Loans
Eligible borrowers may qualify for financing without a down payment.

Down-Payment Assistance
Programs help buyers who meet applicable income thresholds and program requirements reduce their upfront costs. Some programs can reduce the buyer’s required down-payment contribution to as little as 1%.

Program availability, income limits, property requirements, and borrower eligibility vary.

Have Questions About Buying Your First Home?

Schedule a conversation to discuss your goals, finances, available programs and steps toward becoming mortgage ready.

Get In Touch

Gaston Garrido | NMLS #2146920

(612) 805-6353

Gaston Garrido | NMLS #2146920 | Barrett Financial Group, L.L.C. | NMLS #181106 | 2701 East Insight Way, Suite 150, Chandler, AZ 85286 | TX view complaint policy at barrettfinancial.com/texas-complaint | Equal Housing Opportunity | This is not a commitment to lend. All loans are subject to credit approval. | nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/181106