Your first home, one clear step at a time.

Enough for your down payment, closing costs and a cushion after you move in. It depends on the program and the home, so it helps to look at your options first.

No. Several programs work with credit that is still growing. A short conversation and, with your permission, a credit check tell you where you stand.

Grants, forgivable loans or second loans from state and local programs that help with your down payment or closing costs. Each program has its own income limits and rules, and some must be repaid when you sell or refinance.

Many programs count you as one if you haven’t owned a home in the past three years. Each program sets its own definition.

It depends on your credit, your savings, where you’re buying and whether you’ve served. FHA, conventional, VA and USDA loans all have first-time options, and comparing them side by side shows which fits.

Closing costs, an appraisal, a home inspection and moving costs. After you apply, your Loan Estimate lists your closing costs before you commit.

Some programs ask for one, often online. Even when it isn’t required, it’s a good way to learn the steps before you start.

Yes. Knowing your budget and your loan options first means you shop in the right price range, and sellers take an offer more seriously when a lender has reviewed your finances.

Answering a few questions doesn’t check your credit. A credit check comes later, only with your permission, and your loan officer can explain how it may affect your score.

You leave with a plan: what to work on, and which program to aim for when you’re ready.