Your first home starts here
Buying your home is a big milestone. We're here to make your first steps to buying a house easier, clearer and more achievable. At Capital City Home Loans, our experienced team is dedicated to guiding first time home buyers every step of the way, with flexible loan options, low down payment programs and step-by-step support that turns dreams into reality.
Start your homeownership journey today. Connect with a local mortgage expert.
Explore first time home buyer programs
From FHA loans to conventional mortgages with as little as 3% down, we offer loan options tailored for the first time home buyer.
What to expect: the homebuying process
Get expert guidance from pre-qualification to closing. We'll explain each step so you feel confident and informed.
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First steps to buying a house
Access information about first time home buyer programs and downpayment assistance grants for home buyers, plus budgeting tools and mortgage calculators to help guide your journey and make informed decisions in our Homebuyer Guide.
Local experts you can trust
Our mortgage consultants live and work in your community. We offer personalized advice and fast approvals because we care about your homeownership journey.
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Downpayment assistance programs
Saving for a down payment is one of the biggest challenges facing homebuyers today - especially first-time buyers - but thousands of downpayment assistance grants are available nationwide to to help reduce upfront costs and make homeownership more affordable.
Learn more about Down Payment Assistance right here in our Homebuyers Guide. And when you're ready, we'll help you explore grants to help with down payment, check eligibility and connect you with the programs that align with your budget, goals and loan type. We're here to make sure you get every advantage available.
Tools for your first-time homebuying journey
Start with a pre-qualification
Know how much you can borrow when you launch your homebuying journey.
Pre-qualify Online Now
Mortgage payment calculator
Learn how much you can afford and what you’ll need for a down payment.
Benefits of USDA Loans
No-to-low down payment if purchasing a home in a qualifying rural area.
Weighing the costs of renting versus buying?
Calculate all the costs to make an informed decision.