If you are a first time home buyer and are looking for a loan or mortgage in San Diego or anywhere in California, our mortgages experts can help you to get the loan that you are looking for. Our team will help ease your fear or confusion by walking first time home buyers through the home mortgage process. In fact, we know that first time home buyers are often eligible for special mortgage programs from lenders that want to promote home ownership. You can find first time buyer programs that have special features like low interest rates, modest down payments or tax refunds. Every home owner is a first time home buyer at some point, and we will help you find the California Mortgage that will work best for your scenario. First time home buyers are often overwhelmed when researching their mortgage options. Your California home loan can happen if you are a first time homebuyer with a small down payment or no down payment in some cases - we can help you identify what options will work for your unique scenario. FHA mortgage loans also provide low closing costs or wrap your closing costs and fees into the loan. You can even get a dream-home in progress and combine your remodeling costs in the home loan. There are even special incentives with FHA loans to help you make your home more energy efficient. No matter what FHA loan type you think you need, our loan experts will help you identify the best FHA loan in San Diego. Veteran's Administration (VA) loans are a good option for Veterans of the Armed Forces that are looking for a mortgage. Any veteran that meets the current qualifications can save a significant amount of money on their home loan. This is great for first time buyers and other veterans, too! Our team is based out of San Diego, California and knows the military community. We can help you identify the right kind of VA mortgage to help you realize home ownership. We can also help you find out if you can combine either an FHA or VA loan with other first time home buyers incentives. For instance, the Housing Financing Agency (HFA) can help first time buyers secure low interest rates and the Mortgage Credit Certificate (FCC) brings the taxes down to make your mortgage more manageable.