Your first home starts here
Buying your home is a big milestone. We're here to make it 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. <link to people page>
Explore first-time home buyer programs
From FHA loans to conventional mortgages with as little as 3% down, we offer loan options tailored for first-time buyers.
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.
CTA button: Connect with an expert
Resources for first-time home buyers
Access 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.
CTA button: Find a mortgage consultant
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.