There's a loan program built for your situation.
Purchasing a home is one of the biggest decisions you'll make. Coltrain Mortgage shops wholesale rates across every major loan program, so whether you're a first-time buyer, a Veteran, self-employed, or a seasoned pro, you get the option that actually fits.
Find the purchase program that fits you
Conventional Loans
Flexible down payment options and competitive rates for buyers with steady income and good credit.
FHA Loans
As little as 3.5% down and more relaxed credit requirements, backed by the Federal Housing Administration.
VA Loans
Flexible down payment options and competitive rates for eligible Veterans, active-duty, and surviving spouses.
USDA Loans
Zero down payment for eligible properties, backed by the U.S. Department of Agriculture.
First-Time Homebuyer Programs
Low down payment options built for buyers purchasing their first home.
Non-QM Loans
Bank statement, P&L, asset depletion, and 1099 programs for buyers who don't fit a traditional W-2 profile.
Tools to help you prepare
From application to closing
Get pre-qualified
A quick conversation tells you what you qualify for before you start touring homes.
Find your home
Shop with confidence - and a pre-qualification letter to back up your offer.
We handle underwriting
Your loan officer manages documentation and keeps you updated at every step.
Close on your terms
Sign, get your keys, and move into your new home.
A smaller down payment doesn't mean a smaller dream.
Coming up with a large down payment stops a lot of buyers before they even start looking. Between low-down-payment programs like FHA and Conventional 3%-down options, and assistance that may apply to your situation, there are more paths to a first home than most people realize. We'll walk through what you actually qualify for, not just what's advertised.
Home purchase questions, answered
Which loan program is right for me?+
It depends on your credit, income, down payment savings, and whether you're a Veteran, self-employed, or buying in an eligible rural area. A quick conversation with a Coltrain loan officer usually makes it clear within minutes - we compare programs for you instead of pointing you to just one.
How much down payment do I actually need?+
Often less than people assume. FHA allows as little as 3.5% down, some Conventional programs allow 3%, and VA and USDA can offer $0 down for eligible borrowers.
Am I still a "first-time homebuyer" if I owned a home years ago?+
Often, yes. Many first-time buyer programs define eligibility as not having owned a home in the past three years, not literally never having owned one. Ask your loan officer to check your specific situation against the program's actual definition.
What documents do I need to get pre-qualified?+
Typically recent pay stubs, W-2s or tax returns, bank statements, and photo ID, though exact requirements vary by loan program. See our full documents checklist to prepare before you apply.
Ready to start your home purchase?
Tell us a little about what you're looking to do and a local loan officer will follow up directly.
No obligation. A local Coltrain loan officer will reach out directly.
Thanks - you're all set.
A Coltrain loan officer will personally reach out shortly. Have a question right now? Call (631) 851-4420.