We offer loan programs to fit every budget, whether you’re a first-time buyer, a repeat homebuyer, or an investor.
Buying your first home is an exciting milestone, but it can also feel overwhelming. As a first-time homebuyer, it’s important to know the many advantages of homeownership compared to renting. Owning your home allows you to build equity and long-term financial net worth, establish and strengthen your credit history, and take advantage of potential tax benefits. Instead of paying rent to someone else, your monthly mortgage payments are an investment in your future.
At Guardian Mortgage Inc, our team of experienced home loan specialists focuses on first-time homebuyer programs. We help you navigate the entire home buying process—from understanding your financing options and qualifying for the right loan, to choosing terms that fit your budget. Our goal is to ensure you can purchase your dream home comfortably, with confidence, and without financial strain.
Whether you’re looking for low down payment programs, special first-time buyer incentives, or guidance on budgeting and closing costs, Guardian Mortgage Inc provides the expertise and support you need to make your homeownership dreams a reality.
Conforming Fixed Rate and Interest Only
Conventional Conforming Loans are Fannie Mae® fixed-rate mortgages with stable interest rates and predictable payments.
The interest rate stays the same for the life of the loan, providing long-term financial stability.
These loans meet Fannie Mae® guidelines for loan size, credit, and income.
The 30-year fixed-rate mortgage is popular with first-time homebuyers for manageable payments.
It offers flexibility, reliability, and the opportunity to build equity over time.
Fixed-Rate Interest Only
This program lets borrowers pay interest only for the first 10 years.
After that, the loan is fully amortized over the remaining 20 years.
Payments then cover both principal and interest.
Borrowers must qualify based on the fully amortized PITI.
Ideal for those seeking lower initial payments or planning future income growth.
FHA Fixed and Arms
The Federal Housing Administration (FHA) makes home buying simpler and more affordable.
Offers low down payments and flexible terms.
Lower mortgage insurance premiums (MIP) than conventional loans.
Available for fixed-rate, adjustable-rate, and interest-only loans.
Ideal for first-time home buyers.
Jumbo Fixed Rate
The Jumbo Fixed Rate mortgage is a loan program for well-qualified borrowers seeking amounts above the conforming loan limit.
It offers a fixed interest rate for predictable monthly payments.
Generally used for purchasing high-value homes or refinancing large mortgages.
Eligibility typically requires strong credit, stable income, and a low debt-to-income ratio.
Down Payment Assistance Loan
A Down Payment Assistance (DPA) Loan helps homebuyers cover part or all of their down payment and sometimes closing costs.
It can come in the form of a grant, forgivable loan, or low-interest second mortgage.
DPA programs are often available for first-time buyers or those meeting specific income and purchase price limits.
By reducing upfront costs, these programs make homeownership more accessible and affordable.
FHA Fixed and Arms
The Federal Housing Administration (FHA) makes home buying simpler and more affordable.
Offers low down payments and flexible terms.
Lower mortgage insurance premiums (MIP) than conventional loans.
Available for fixed-rate, adjustable-rate, and interest-only loans.
Ideal for first-time home buyers to purchase and refinance
FHA Rehab Loans (203K)
The FHA 203(k) program lets borrowers finance a home purchase or refinance and its renovations with a single loan.
It helps homeowners fund repairs without separate loans.
Ideal for first-time buyers on a tight budget.
Makes homeownership more accessible.
Helps turn your dream home into reality.
High- Balance Fixed Rate Loans
High-Balance Loans help borrowers finance homes that exceed standard conforming limits in high-cost areas.
They offer competitive interest rates and predictable, fixed monthly payments.
Ideal for purchasing larger homes or premium properties.
Borrowers typically need strong credit, stable income, and a manageable debt-to-income ratio.
These loans allow buyers to build equity and enjoy the benefits of homeownership in higher-priced markets.
Home Possible 97 and Home Possible Neighborhood Solutions 97 Fixed Rate
Home Possible® Mortgages are a responsible, low down payment option designed to help more borrowers achieve the dream of homeownership while expanding opportunities for mortgage lenders.
This program is especially ideal for first-time homebuyers and low- to moderate-income borrowers, offering flexible terms and affordable financing.
Home Possible® Neighborhood Solutions provides additional benefits and flexibilities for essential professionals, including teachers, firefighters, law enforcement officers, healthcare workers, and military personnel—covering members of the Army, Navy, Air Force, Marines, Coast Guard, and National Guard.
MyCommunityMortgage®: MyCommunity 97
The MyCommunityMortgage® program is a fixed-rate loan for low-to-moderate-income homebuyers.
It offers stable payments over a 30-year fully amortized term.
Ideal for borrowers with good credit who may struggle to save for a down payment.
Not limited to first-time buyers.
Provides an affordable path to homeownership and long-term financial stability.
USDA Rural Housing Program
The USDA Guaranteed Rural Housing Loan is a government-insured program for low- to moderate-income rural residents.
It offers 100% financing with little or no down payment.
Loans can be used to buy a new or existing home in designated rural areas.
Closing costs can be paid by the seller or financed into the loan.
Provides fixed interest rates for predictable monthly payments.
VA – Veterans Administration Home Loan Program Fixed and ARM PROGRAM
The VA Loan program was established in 1944 to help veterans and active-duty service members achieve homeownership. Unlike many other loans, VA loans offer low or no down payment and more flexible qualification requirements, making it easier for veterans with limited savings to purchase a home.
Key Benefits of VA Loans:
No down payment required – purchase a home without a large upfront cost.
Easier qualification – VA guidelines allow higher debt-to-income ratios compared to conventional loans.
Competitive interest rates – keep monthly payments manageable.
Refinancing options – lower your rate or adjust your mortgage terms over time.