Hawaii and California First-Time Home Buyer Programs

Pacific Home Loans offers many first-time home buyer loan programs in Hawaii and California that will ensure you have the best possible chance to get pre-qualified to buy your first home or condo!

We offer the following loan programs that are ideal for the First-Time Home Buyer: Home Ready™, Home Possible®, FHA, USDA, and VA.

Home Ready Qualify for a lower rate with as little as 3% down.
Home Possible® Qualify for a lower rate with as little as 3% down.
FHA Down Payments as low as 3.5%
USDA 0% Down available on eligible rural properties for low to moderate income buyers.
VA 0% Down for Veterans up to $822,375 and loan amounts up to $1,000.000.
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In addition to the first-time home buyer loan programs, Pacific Home Loans offers the Mortgage Credit Certificate (MCC) Grant and Home Buyers Counseling.

With the MCC Grant you will increase your buying power by reducing your employment tax equal to 20% of your annual mortgage interest. This could save you thousands of dollars per year.

MCC Grant

Buying a home or condo is a big deal, whether you’re doing it for the first time or getting back into the ever-changing market. We want you to navigate through all the steps of the process feeling informed and confident. That’s why we partnered with Framework, a leading provider of online home buyer education.

Home Buyer Counseling