First-Time Buyers 2019-05-25T01:08:04+00:00

First-Time Home Buyer Loan Programs

Start your home financing journey off right.
KHoward Team boasts the fastest turn times in the industry.

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Arizona Mortgage Calculator

Calculate your monthly mortgage payments, interest rate, property taxes, and home insurance!

Home Affordability Calculator

Evaluate how much real estate you can afford with our quick and simple affordability calculator.

Arizona Refinance Calculator

Determine whether refinance is the right choice for you with our easy-to-use refi-calculator.

Common Home Loans for First-Time Buyers

Buying your first home can be an intimidating and overwhelming process. The mortgage loan experts at KHoward Mortgage Team strive to make that process easier and specialize with helping first-time home buyers find a home loan to fit their needs and financial goals.

Some of the home loan programs we offer for first-time home buyers include:

  • FHA loans
  • VA loans
  • USDA loans
  • HomeReady®
  • Home Possible®

Each of these loans offers unique benefits for first-time homebuyers, such as a lower required down payment, flexible terms, low income requirements, or flexibility around credit scores. Our agents will carefully review your financial profile and your goals to determine which loan programs might be right for you and then make a tailored recommendation. Our goal is to help you find a loan that will make home buying affordable while also getting you into a home that you love.


Read what our customers have to say about us.

Kirk is great to work with very nice and pleasant!Top-Rated Mortgage Team in Mesa, Arizona
Mesa, AZ
Responded quickly, didn’t make me feel like I was bothering with any questions!Top-Rated Mortgage Team in Mesa, Arizona
Mesa, AZ
Follow up was flawless, attention to detail and closing in record time.Top-Rated Mortgage Team in Mesa, Arizona
Mesa, AZ
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Best Lenders for First-Time Buyers

Our team of experienced mortgage brokers keep you informed and well-educated on your options at every step of the journey. Get pre-qualified for a home loan and begin your home search with confidence and buying power. With KHoward Mortgage Team in Mesa, Arizona, we help you find the right loan program, the right terms, and boast the fastest turnaround times in the industry.

Our agents also provide education and advice to our clients on buying their first homes, such as helping them understand how to analyze their finances, determining a final budget, and recommending essential professionals such as a real estate agent or mover.

We want to make the home buying process easier for you through every step! Start your home search off right and get pre-qualified for a first-time home buyer home loan. Call your Mesa mortgage team today to talk about your manufactured home loan options and to begin your journey to buying your first home.


Mortgage Payments & Affordability

Purchase price
Please enter here the amount you expect to pay for a home.
Enter a value
Down payment
Down payment is cash that you pay upfront for your home.
Enter a value
Term in years
Number of years you have to pay.
Enter a value
Interest rate (per year)
The percentage of interest that you will pay on your mortgage for a specific term.
Enter a value
Property tax
Enter your property tax here if you know it.
per year
Enter a value
Home insurance
Most lenders require home insurance. Enter its price here.
per year
Enter a value
PMI is Private Mortgage Insurance which is usually required to pay if your Down payment less than 20%.
per month
Enter a value

Your total monthly payment


Principal & Interest: $
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KHoward Mortgage Team has been working with great agents and clients since 1997.

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2913 N Power Rd #108
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