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First-Time Home Buyer

At NASB, we are committed to making the home loan experience for first-time home buyers as smooth as possible, with the loan program that’s right for you.

Call us 855-465-0753 

Key Features

Many mortgage loan programs for first-time buyers

Benefit from a mortgage interest tax deduction*

Build equity instead of paying rent

NASB wins three NerdWallet 2021 Best-of Awards

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Take the first step to home ownership.

Getting your first home doesn't have to be a difficult journey. Depending on your credit, how much money you can put down, whether you’ve served in the military, or how much you need to borrow, there are many programs available to help first-time home buyers. You can choose from an FHA loan, conventional loan, adjustable rate mortgage loan or VA loan. NASB also has a Good Neighbor Program to encourage home ownership in underserved communities.

Let's get started!

Answer a few simple questions to get personalized recommendations — just for you, right from our experts.

What type of loan are you looking for?
Step 1

  • Credit requirements not as stringent as conventional loans
  • FHA loans require only a 3.5% down payment
  • Friendlier debt ratios than other loans
  • Less money down than the traditional 20%
  • Options for previous bankruptcy or foreclosure
  • We look at non-traditional income sources
  • Get the most up-to-date rates available
  • For purchase or refinance, all loan types
  • 15-year and 30-year term options
  • A variety of mortgage payment calculations
  • Learn which loan is better for you
  • Help to make term and loan type decisions
Jesse M.
Could not have asked for a better experience. Professional, courteous, and always keeping us in the loop.

Local banking. National lending.

$22B in home loans in the last decade

Based on lender data

92% of customers would recommend NASB

Based on 13,296 NASB closed loan customer surveys from 1/1/2018 to 4/29/2021

83,000+ home loan customers since 2010

Based on lender data

Nationally competitive products. Individualized service.

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*This is not intended to and does not constitute legal advice or financial / investment / tax advice. North American Savings Bank does not make any guarantee or other promise as to the results obtained. You should consult with an attorney or other professional to determine what may be best for your individual needs.