First Time Home Buyer

First Time Home Buyer, Blue Ridge Mountain Mortgage

First Time Home Buyer

Embark on Your Homeownership Journey with Blue Ridge Mountain Mortgage.

First-time homebuyers often have many questions, and Ivory Bare is here to provide the guidance and support you need. Before you find your dream home, we can assist you in getting pre-approved and match you with a trusted real estate agent through our partner networks. Our mortgage experts are dedicated to walking you through every step of the loan process.

Key Services:
Pre-Approval Assistance:

Get pre-approved before finding your new home for a smoother homebuying experience.

Loan Program Matching:

We help you find a loan program that best fits your needs, offering options with little money down.

Trusted Real Estate Agents:

Through our partner networks, we can connect you with trusted real estate agents to assist in your home search.

Loan Programs for First-Time Home Buyers
30-Year Fixed Rate Mortgage:

Lock in a low payment with the security of a fixed rate. First-time homebuyers may put as little as 3% down.


Ideal for homes in rural and suburban areas, this loan requires no down payment, with income limitations and PMI considerations.

FHA Loan

Perfect for buyers with lower credit scores, allowing a home purchase with as little as 3.5% down.

VA Loan

An exceptional deal for veterans and military members, offering the opportunity to purchase with no down payment and no PMI.

Ivory Bare is here to address your questions, explain the application process, and ensure you find the perfect home for your needs and budget. Take the first step towards homeownership with Blue Ridge Mountain Mortgage – your partner in making dreams come true.”