First-Time Homebuyer Programs
Programs and guidance built specifically for first-time buyers — lower down payments, flexible credit, and support at every step.
Talk to a Local ExpertWhy first-time buyers choose FCLS.
Low down payment options
Programs available with down payments as low as 3%, and some with none at all.
Down payment assistance available
Ask about programs that can help cover your down payment and closing costs.
Flexible credit requirements
Options exist for buyers still building their credit history.
A loan officer who explains everything
No jargon — just a local expert who walks you through each step of the process.
Ready to take the first step? Here's how.
Buying your first home comes with a lot of new terms and decisions. Watch a short walkthrough of the steps, or connect directly with a local expert who specializes in first-time buyers.
Talk to a Local Expert
We're here to help. Anytime.
Have questions about where to even start? Get neighborly, straight answers.
Better equipped to help you qualify.
By funding loans with our own capital, we go beyond traditional options to find the first-time buyer program that actually fits your situation.
More than just loans.
We reinvest locally across Knoxville, Nashville, Sevierville, Dayton, and now Florida — because we're part of the same communities we lend in.
Not sure First-Time Homebuyer Programs is the right fit?
Four steps from application to keys in hand.
Complete your application on your own schedule. Your loan officer handles the rest.
Tell us about you
Submit your application online and upload documentation securely — no paperwork required.
Choose your program
Your loan officer walks you through the rate and program that fits your situation best.
Get approved
We review your loan, order the appraisal, and verify details — funded with our own capital.
Close your loan
Sign your final documents and get your keys. You'll stay a part of the FCLS family after close.
Learn more with articles from our blog.
The 3 Economic Indicators We Watch Every Week (And Why They Matter to Mortgage Rates)
6 Signs You’re Ready to Buy a Home (Not Just Financially)
What Do Mortgage Lenders Look At? 5 Things to Get in Order Before You Apply
