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New Home Loans

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Traditional Home Loans

Traditional home loans are loans that are not attained under a government program, and we have several fixed-rate and adjustable rate options available. 

Traditional Home Loan Highlights

  • Flexible loan terms
  • Down payments starting at 5% available
  • Up to $417,000 loan amount
  • No mortgage insurance with 20% down payment or 78% LTV (Loan to Value)
  • Gift funds allowed
  • Monthly or single premium mortgage insurance with less than 20% down
Jumbo Home Loans

A jumbo loan may be called for when you need a loan amount higher than the traditional home loan limits. With multiple fixed-rate and adjustable-rate loan options available, we will help you choose the ideal jumbo loan for your unique situation.

Jumbo Loan Highlights

  • LTV (Loan to Value) up to 80%
  • More than $417,000 loan amount
  • Loan amounts up to $3 million Multiple loan options available
First-time Homebuyer's Assistance Program

If you're a first-time homebuyer, the home loan process may be overwhelming. FirstLight offers home loan assistance from start to finish with our trusted mortgage loan originators. We will make sure to help you find the perfect home to fit your budget.

  • Down Payments starting at 3%
  • Programs available through MFA for qualifying New Mexico residents
  • Programs available through City of El Paso Housing for qualifying Texas residents