Many of the customers who walk through our doors at Grand Avenue Realty & Lending are in the market for their first home.

That means we get a lot of questions like:

How much home can I afford?

What’s the lowest down payment I can make?

How do I afford my closing costs?

Are there special programs for first time homebuyers in Orange County?

Whatever your questions might be about purchasing your first home, we will be happy to sit down with you and give you thorough answers as we explore all of your options.

We are intimately familiar with the challenges faced by first time homebuyers, and we never let an obstacle stand in our way or yours. Whatever your financial status and goals, we will work with you to find solutions and connect you with an affordable mortgage.

Loan Programs to Help You Purchase Your First Home in Orange County

There are a number of loan programs which can make it more affordable to purchase a home in Orange County if you are a first time home buyer. Here are some options which we can see if you qualify for:

FHA Loans

These loans are insured by the Federal Housing Administration (FHA). Although qualification requirements are fairly broad, FHA loans are ideal for those who are shopping for their first home.

VA Loans

Insured by the Department of Veterans Affairs (VA), these loans come with some of the best benefits of any type of mortgage out there.

Local Programs

There may be special programs for first time homebuyers which you qualify for at the local level while shopping for a home in Orange County, San Diego, Greater Los Angeles, or anywhere in California.

OC Buyer Program

This is a special exclusive program we created for customers of Grand Avenue Realty & Lending. Through it, you may be able to qualify for a credit to cover up to $10,000 of closing costs and prepaid items.

Lender for life Program

First time homebuyers sometimes have a difficult time deciding whether to go with a fixed or adjustable rate mortgage, and may worry about the long-term ramifications of choosing to take out a loan at a specific interest rate now.

Fannie Mae’s “HomeReady” and Freddie Mac’s “Home Possible” programs

These enhanced affordable loan products are conventional loan programs with as little as 3% down for borrowers who qualify.

How Grand Avenue Can Help You With Your First Home Loan

We give you access to special programs not available elsewhere.

No other lending company can offer you the advantages of our OC Buyer Program or our Lender for Life program. Both of these programs can make a huge difference in making your first home affordable now and over the years ahead.

We answer your questions and help you understand the process.

Even if you have done your research, you will probably come to your consultation with a list of questions. We will take all the time we need to help you understand every aspect of the mortgage application process. That way you have the answers you need to make an informed decision.

We strive to meet your timetable for moving into your home.

If you need to be in your new home by a certain date, please let us know during your consultation what your timetable is. We can speed you through the pre-qualification process and help you sign quickly on the mortgage for your first home.

Obstacles won’t stop us from finding you the most suitable loan.

First time homebuyers are often starting out on their journey of homeownership without ideal credit or huge cash reserves. Debt-to-income ratios may not be ideal. It may be a challenge to afford a high down payment. With our extensive experience helping Orange County first time homebuyers, we have developed workarounds and solutions to these and other challenges. We will not rest until we get you into your Orange County home as affordably as possible.

We ask you questions to find out what you need.

Every single customer who walks through our doors has a different financial situation and a unique dream for a perfect life in Orange County. Our goal is to understand your dream and get to know you as a person so that we can match you with a mortgage which is perfectly tailored to meet your needs.

Even if you are not quite ready for your home purchase, consult with us and we will give you the formula of what you need.

We can let you know what your income needs to be at to qualify for the loan amount you want and how much of a down payment is needed. We will figure out payments for you or let you know how much you can afford with the payment you are comfortable making. We are glad to help you plan, and there is no cost or obligation.

First Time Home Buyer

What Our Happy Clients Are Saying

Grand Lending Team

5.0

Based on 5 reviews

See all reviews Write a review

Vahid Ghadamyari

03:57 27 May 24

We had an exceptional experience working with Brian and Nichole from Grand Avenue Realty & Lending. From the very beginning, he demonstrated outstanding professionalism and expertise. Brian took the time to thoroughly understand my financial situation and providing clear and comprehensive advice tailored to my needs.The entire process was smooth and efficient, thanks to their excellent communication skills and attention to detail. Brian kept me informed at every step, promptly addressing any questions or concerns we had. He went above and beyond to secure a competitive interest rate and favorable loan terms, which made a significant difference in my home-buying experience.What stood out the most was his dedication to ensuring I felt comfortable and confident throughout the process. I highly recommend Brian and Nichole to anyone looking for a knowledgeable and reliable mortgage broker. Thank you, Brian and Nichole, for making our dream of homeownership a reality!

David Barnes

20:06 01 Aug 23

Brian and Nichole were so great to work with and great communicators throughout the process.

Roshy Zand

14:40 06 Jul 23

When you work with Brian and Nicole are the best at what they do! why? Here are the reasons and my personal experience:1) He is always available even answering questions that are not relevant to your loan2) He is very honest and professional3) Fast Approval - My loan got approved within a few days!4) Best Rate - Brian will shop around and get you the best rate available in the market5) Honesty and integrity - When you work with Grand lending, you will receive the best service and believe you don't have to go any where else. Thank you Both

Hansol Yi

18:03 06 Jun 23

Brian and Nichole were extremely helpful through the whole loan process! As a first time homebuyer and first time through the process, it was pretty daunting and had so many questions. But Brian and Nichole were responsive to all of our questions and were always looking for the best rate for us. Would recommend Brian and Nichole to anybody looking for a home / loan!

Payton Haight

23:11 27 Jul 22

Brian and Nichole were great to work with and helped us close on our home early - even after they were given a late start (due to no fault of the Grand Lending Team). They were extremely knowledgeable and communicative through the entire process. I would highly recommend working with them!

Grand Avenue Realty & Lending is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age, because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. Disclaimer: Programs subject to change without notice. All borrowers must qualify per program guidelines.

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First Time Homebuyer Loans
in Orange County