FHA loans
Government-insured, with a lower down payment and flexible credit guidelines.
First-time buyers
First-time home buyers in Las Vegas
First-time buyers have a lot of questions, and we love to help. We’ll get you pre-qualified, compare your options and guide you through every step.
Who it’s for
Sound like you?
Buying your first home is a very exciting step.
You’re buying your first home
And you want someone to explain each step before it happens.
You have limited savings
Or you’re not sure how much cash you’ll need to close.
You want to compare programs
Rather than assume there’s only one choice.
You want a plan before house hunting
Pre-qualifying first narrows your search.
Popular programs
Loans first-time buyers compare
The best choice depends on your credit, income, savings, military eligibility and location.
Fixed-rate mortgage
Your rate won’t change, so your principal and interest payment stays predictable.
FHA loan
For buyers who want to put less money down. FHA loans.
VA loan
For veterans and military members who qualify: may allow no down payment, with no monthly PMI. VA loans.
USDA loan
For primary homes in eligible rural and suburban areas. USDA loans.
Conventional loan
Not backed by a government agency. First-time buyers can use conventional loans too, if they qualify.
Not sure yet?
We’ll lay out two or three options side by side.
Get ready
Three things to do before you shop
A little preparation makes the application smoother.
1. Check your credit
- Lenders look at your payment history, income and current debts. Your credit score is one of the biggest factors.
- You can check your credit for free on several websites. If something looks wrong, look deeper into your report.
2. Get pre-qualified
- A pre-qualification gives you an early sense that you may get approved before you look at your first home. Some agents ask for it before house hunting.
3. Think past approval
- The biggest mistake is focusing only on getting approved. The payment still has to feel comfortable after closing.
How Harmony helps
Four clear steps with one team
First-time buyers get personal attention: we explain the application and share tips for your home search.
Initial goal analysis consultation
We go over your goals to understand your situation and what you need.
Solution preparation
We take what we learned and build out options for you: rates, closing costs and program structures.
Suggestion presentation
We walk you through what we found. If you like what we propose, we put your loan into process.
Execute
Our team guides you every step of the way to gather the documents and get you to closing.
Take the first step
Honesty, transparency, integrity, education and customer service in every step.
From our team
First-time buyer tips
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Google reviews
First-time buyers on working with us
Justin Wholey is the BEST! He got us approved on our first home and got us closed in 16 days. I reached out initially to see what my options were, not sure if I was ready to move forward on purchasing a home yet but we discussed my options and he answered every question I had! Highly recommend!!
Owen S. · GoogleJustin and Nickolas with Harmony Home Loans were absolutely incredible. It was my first time buying a home & they were so patient, kind, and walked me through every step of the process. I felt deeply cared for, not like a business deal, but a real person who was making a huge life decision. They are incredible communicators and they made the process so easy for me, even though I know they were doing so much work on their end. I recommend Harmony Home Loans to anyone looking for a loan and wanting to be treated with the utmost warmth while also feeling confident that they have people looking out for them.
Cherrial O. · GoogleSebastian and his team at Harmony Home Loans along with realtor Beverly Vazquez made the house buying process easy and quick. Everything was explained in full detail and the communication process was great. They stayed with us every step of the way. Definitely recommend Sebastian and his team for first time home buyers or anyone looking to buy another property. We will use their service again for the next home!
Quinton T. · Google
5.0 from 293 Google reviews (checked 2026-11-11). Read more reviews
Which loan is best for first-time buyers?
Most compare FHA, VA, USDA and low down payment conventional loans. The best one depends on your situation, so we compare them with you.
Can first-time buyers use a conventional loan?
Yes, if they qualify. FHA and VA aren’t the only options for first-time buyers.
What does it mean to get pre-qualified?
It gives you an early sense that you may get approved for a mortgage before you look at homes. Our quiz starts the conversation; a formal pre-approval happens later, in the secure application.
Is there down payment help in Nevada?
Local and state housing agencies offer programs that can help with down payment and closing costs, often with an education course and income limits. Ask us which may fit.
Ready to buy your first home?
Answer four quick questions. A licensed loan officer will lay out your options in plain English.
See my options for this loan
(702) 934-9625
4300 West Tropicana Ave, Building A, Suites 110-132, Las Vegas, NV 89103
Page last reviewed 2026-11-11.