Buy Your First Home in Austin With Confidence
Expert guidance, low down payment options. FHA, USDA & Conventional loans — same-day pre-approval on most files. NMLS #513013.
Check My First-Time Buyer Options
No credit impact. No obligation. Adam responds personally within 1 business day.
Loan Programs
Low Down Payment Options for First-Time Buyers
Austin-area buyers may also qualify for down payment assistance — grab the free 2026 Austin DPA guide for programs and income limits.
Access to 40+ capital partners means Adam finds the right fit — not just what one bank offers.
FHA Loan
3.5% DownThe go-to loan for first-time buyers with moderate credit. Government-backed, widely available, and forgiving on debt-to-income ratios.
- Min. Credit Score580
- Min. Down Payment3.5%
- Mortgage InsuranceRequired
- 2026 FHA Limit (Austin, 1 Unit)$571,550
USDA Loan
0% DownZero down payment for eligible buyers in qualifying suburban and rural areas around Austin — including Buda, Kyle, Leander, and Pflugerville.
- Min. Credit Score640
- Min. Down Payment$0
- Income LimitsApply
- Area EligibilityRequired
Conventional 97
3% DownPut just 3% down and keep the option to cancel mortgage insurance once you hit 20% equity — unlike FHA, which carries MI for life.
- Min. Credit Score620
- Min. Down Payment3%
- Mortgage InsuranceCancellable
- Loan Limit$832,750
Real Clients
First-Time Buyers Love Working with Adam
A first-home experience
“Worked with Adam for the mortgage on our first home, he was incredibly responsive and knowledgeable, helping answer any questions we had through the entire home buying process.”
"I didn't think I could afford a house on my own. Adam found me an FHA loan with 3.5% down and my monthly payment ended up lower than my rent. The process was incredibly smooth."
"I was nervous about my credit score. Adam was honest with me about my options and helped me improve my score before applying. We closed on a USDA loan with zero down payment. Life-changing."
Common Questions
First-Time Buyer FAQ
FHA loans require a minimum 580 credit score with 3.5% down. Conventional loans start at 620. USDA loans typically require 640+. If your score is below these thresholds, Adam can walk you through a credit improvement plan before applying — many buyers see significant improvement in 60–90 days.
As little as 0% down with USDA (for eligible areas around Austin), 3.5% down with FHA, or 3% down with Conventional. On a $350,000 home, that's as low as $0–$12,250. Down payment assistance programs in Texas can reduce this even further — ask Adam which programs you may qualify for.
FHA has a lower credit minimum (580) and accepts higher debt-to-income ratios, making it more accessible. Conventional offers better rates for buyers with 680+ credit and lets you cancel mortgage insurance once you hit 20% equity — FHA mortgage insurance lasts the life of the loan unless you refinance.
Most first-time buyers receive a full pre-approval letter the same business day after submitting documents. Adam reviews every application personally and typically responds the same day. You'll need recent pay stubs, W-2s, bank statements, and a photo ID.
A pre-approval involves a hard credit inquiry, which may lower your score by 2–5 points temporarily. However, multiple mortgage inquiries within a 45-day window count as a single inquiry — so shopping around won't compound the impact. The effect is minor and short-lived compared to the benefit of locking in a good rate.
Want the full step-by-step guide to buying a home in Austin? How to Buy a House in Austin TX → | Estimate Your Monthly Payment →
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Get pre-approved same-day. No pressure, no obligation — just a clear picture of what you can afford and what your payment looks like.