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First-time homebuyers programs: What new buyers need to know By Janet Berry-Johnson Our goal here at Credible Operations, Inc., NMLS Number 1681276, referred to as Credible below, is to give you the tools and confidence you need to improve your finances. Although we do promote products from our partner lenders, all opinions are our own. Researching first-time homebuyers programs can help you qualify for a mortgage and become a homeowner. (iStock) Buying your first home can be both exciting and scary. Homeownership is a huge financial commitment, and you may have heard that you need a large down payment, stellar credit and thousands of dollars to cover closing costs. Don’t panic.

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