Your Home Ownership Journey Starts Here

First-Time Home Buyer Program

Buying your first home should be as smooth and stress-free as possible. This program aims to make the process easier – and we’ll be there to help every step of the way

Key features:

100% financing
No down payment needed
No mortgage insurance required

Eligibility requirements:

Minimum FICO score of 680
Not owned a home in the past 3 years

Apply now

We’re with You Every Step of the Way – From Start to Closing

Our team of local mortgage experts will guide you through the home-buying process start to finish. When you’ve got questions, we’ll have answers. Your financial well-being matters to us, so we’ll help you make the best decisions possible. There are no gimmicks, just 100% transparency – because it’s all about getting you the keys to a new home.

Your journey toward home ownership starts here. We can’t wait to help you along the way.

Apply online or call us at 800.452.9515

All loans subject to credit approval. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. Mortgaged property must be located in Washington or Oregon state. Certain restrictions may apply. Contact a mortgage loan officer for more details. Equal housing opportunity lender. NMLS# 530610

*Offer applies to any qualifying mortgage loans for the purpose of purchasing or refinancing a one-to-four family owner occupied property. No minimum loan amount. Apply May 1 – July 31, 2025 and close within 60 days to receive offer. Offer ends after July 31, 2025, or after 75 Lowe’s gift cards have been awarded; whichever occurs first. Property must be located in WA or OR. Limit one gift card per loan. Gift card will be delivered within 60 days of closing. Gift card is non-transferable and no cash or other substitutions permitted. Offer subject to change or cancellation without notice. The gift cards are subject to required IRS reporting. Recipient is responsible for any applicable taxes. Not valid on home equity loans, lines or credit, or land loans.