First Time Homebuyer Mortgage

...approving new homebuyer mortgages for over 20 years

First Time Homebuyer Mortgage Programs

Maryland First Time Homebuyer SpecialistsThe primary barrier to homeownership for First Time Homebuyers is saving money for the down payment and closing costs.

– Easy Mortgage Approval Process –

In support of ongoing efforts to expand access to credit and support sustainable homeownership, Atlantic Financial offers the following Low Down Payment Mortgages:

First Time Homebuyers

…getting approved is easier than you think


Since 1993, our commitment to home ownership and First Time Homebuyers continues.

If your seeking a mortgage to become a First Time Homebuyer, give us a call. We are here to help!

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    FHA - 3.5% Down Payment Mortgage

    An FHA mortgage loan is insured by the Federal Housing Administration (FHA).

    FHA loans have flexible qualification and credit standards and require a 3.5% down payment which may be derived entirely from gift funds.

    As an FHA approved lender, Atlantic Financial has the knowledge and expertise to assist you.

    To learn more about Low Down Payment Mortgage Programs and the options that make the most financial sense for you – Click Here

    VA - No Money Down Mortgage

    A VA mortgage loan is guaranteed by the U.S. Department of Veteran Affairs (VA).

    In general, active duty and honorably discharged service personnel are eligible for the VA loan program. In addition, certain Reserve or National Guard personnel are eligible, as are certain spouses of a Veteran.

    A VA loan requires no down payment and has made the dream of home ownership a reality for millions of veterans.

    Atlantic Financial is a VA approved lender, and we take great pride in serving those who have served our country.

    To learn more about Low Down Payment Mortgage Programs and the options that make the most financial sense for you – Click Here

    Conventional 97 - 3% Down Payment Mortgage

    The Conventional 97 Mortgage requires only a 3% down payment with reduced mortgage insurance rates making this a less-expensive option for many first time home buyers.

    The Conventional 97 Mortgage allows for its entire 3% down payment to come from gifted funds, so long as the gifter is related by blood or marriage; or via legal guardianship or domestic partnership; or is a fiance/fiancee.

    To learn more about Low Down Payment Mortgage Programs and the options that make the most financial sense for you – Click Here


    First Time Homebuyers call

    (301) 277-7600

    Over 2 decades commitment to First Time Homebuyers Atlantic Financial Beltsville Maryland

    Since 1993, Atlantic Financial has been approving First Time Homebuyer Mortgage loans. It’s easier than you think….

    Steven Isaac –
    President
    Atlantic Financial
    Beltsville, Maryland