You're not getting your money's worth paying rent!

Start your path to homeownership with garrett Mortgage's First Time Home Buyer program.

If you:

  • Are paying rent
  • Have established good credit
  • Saved for a down payment

Congratulations! It is time to invest in your first home with garrett Mortgage's First Time Home Buyer program.. Here's what you will receive:

  • 100% financing with no down payment required
  • No Private Mortgage Insurance (PMI)
  • Flexible loan products to meet your needs including: Fixed and Variable Terms, VA, and FHA

Calculate Your Payment


*To participate, members must have not previously owned a home. Upon completion of the program, eligible members may lock in today's interest rate for 90 days. A contract must be presented within 60 days and closed by day 90. The loan options are the 5/5 ARM, 10/5 ARM, and 30 Year Fixed. Maximum loan amount is $350,000. Gifts will only be allowed if applied to the down payment to reduce the loan amount. Cash back includes origination fee and appraisal fee not to exceed $1,000.

*APR=Annual Percentage Rate. 30-Year Fixed ( APR) - up to 60% LTV. The interest rate is current as of . Offer applies to borrowers with a credit score of 740 or better depending on credit qualifications. The payment on a , 30-year Fixed-Rate Loan at ( APR) is . Property insurance and, if applicable, flood insurance is required. Payment does not include taxes and insurance premiums. The actual payment amount will be greater. Some restrictions may apply. This rate is applicable for owner-occupied purchase or refinance (no cash out) of a single family dwelling. The stated rate may change or not be available at the time of loan commitment or lock-in.