First Time Home Buyer Programs

Your American Dream Is Waiting...

Are you ready to experience the American Dream of owning your own home?  The experts at The Ratti Lending Team at Envoy Mortgage can help you determine which mortgage loan programs will work best for your situation.


Many of these programs are designed to help you:

  • get pre-qualified, 
  • get down payment assistance, 
  • access local and national mortgage grants, and 
  • reduce down payments and closing costs

National first time home buyer programs are available in all 50 states and offer flexible guidelines that can help you.  These programs include FHA, VA, Conventional and USDA loans.


The Maryland DHCD offers mortgage and financial assistance programs designed to make home ownerhip more accessible for first-time home buyers. These programs and their requirements change frequently, so be sure to ask your Ratti Lending Team loan professional for more details. 


Learn More

Hurry!  Mortgage rates are rising.  Now is the best time to get pre-qualified and start shopping for your new home!  Get Pre-Qualified now to see how much home you can afford to buy!

Get Pre-Qualified Now!

Sign Up for a Free Workshop

The Ratti Lending Team @ Envoy Mortgage regularly holds free workshops to educate first-time home buyers on everything you need to know about buying your first home.  Join us for an upcoming workshop!

Register to Attend an Upcoming workshop