Get your mortgage rate now.

About Us

Homebuyer is the mortgage company built for first-time home buyers.

We’re not mortgage brokers or affiliate marketers. We are an actual mortgage lender with a federal banking license. We approve your loan, send the money to your home closing, and ensure you get the keys on time.

We also do something no other lender does: we work exclusively with first-time home buyers. We don’t do refinances. We don’t do second homes. We don’t sell rental or investment properties. We only work with first-time buyers like you to help you achieve the American Dream of owning a home.

Our Vision

To make homeownership for first-time home buyers more accessible and inclusive, which strengthens neighborhoods across America.

We believe that technology can make owning your first home simpler and easier. Through education, personalized digital experiences, and human support, we aim to build stronger communities where everyone can experience the pride of owning their own home.

How Does It Work?

Homebuyer uses better design and technology to make the mortgage approval process fast and less expensive.

We provide world-class educational information and our online courses to educate first-time home buyers so they’re prepared for the home buying process. Learn more about our editorial guidelines.

The first important step is getting pre-approved for a mortgage. Getting pre-approved is a simple process that takes less than three minutes. From there, Homebuyer will help you pinpoint your budget, make good choices, and get you a mortgage that works best for your life.

Frequently Asked Questions

Here are some of the most common questions we get from customers.

Does Homebuyer operate in all 50 states?

Homebuyer is powered by a federal bank, which means we’re not a mortgage broker and we can lend in all 50 states. For now, however, we do not lend in AK, HI, and NY.

Can Homebuyer help me buy a home out of state?

Yes! Homebuyer can lend across the entire United States – and we’re available in every time zone, too. Learn more about buying a home out of state.

I’m a first-time home buyer, how do I get started?

First-time home buyers should get pre-approved before anything else. It takes less than 3 minutes.

After your pre-approval is complete, we’ll assign an experienced loan guide to help with your budget, and pair you with a real estate expert to guide you through the next steps.

I don’t have enough money for a down payment, can Homebuyer help?

Yes, regardless of your down payment size, Homebuyer can help.

We can help you find local grant programs that pay for all or a portion of your down payment, or we can help decide whether 100% financing is an option.

Homebuyer also offers down payment assistance through our Down Payment Assistance program.

I have a low credit score, can I still buy a home?

Of course. Your credit score is only one part of your mortgage approval. Homebuyer will help you look at all of your options and choose which one is best.

Learn more about the credit score needed to buy a home.

I have recently declared bankruptcy, can I still buy a home?

Yes, you can buy a home after bankruptcy. There’s a minimum waiting period of two years for most buyers. Learn more about buying a home after bankruptcy. If you have specific questions about buying a home after bankruptcy, chat with us.

What kinds of loans does Homebuyer offer?

Homebuyer is backed by a federal bank so we offer every government-backed mortgage loan available. This includes conventional loans through Fannie Mae and Freddie Mac, FHA loans, VA loans for veterans and active members of the military, 100% USDA for home buyers in less-populated parts of the country, and more.

Don’t guess which loan is best for you and your home. Get pre-approved and let Homebuyer help you find out.

Our Values

Homebuyer is led by 6 key values.

Empathy icon - Heart in Hand (not the Vertical Horizon song)

Empathy

We work to make each buyer feel connected, comfortable, and heard throughout the entire experience.

The arrow is pointing up and the left. UP AND TO THE LEFT.

Action

We pair simple explanations with actionable advice so future home buyers can make better decisions.

Icon: The ethical way to run your business is to treat people right

Ethics

We put the financial interests of our customers ahead of the financial interests of the company.

Icon: Everyday, everyday, everyday I write the book

Experience

We use our market experience to provide helpful, relevant advice to our customers.

Inclusion icon - three heads are better than two

Inclusion

We are committed to the fair treatment and celebration of all people in all places.

Respect icon - When you shake hands with somebody, look them in the eyes and give a firm grip

Respect

We communicate clearly and openly, showing respect for our customers and peers.

Join our team!

Join our growing team and help change the way people buy their first homes.

View our open positions

Subscribe to our Newsletter

Receive real estate and mortgage news by email weekly.
Personalized for you & your specific homebuying goals.

This field is for validation purposes and should be left unchanged.