First-Time Home Buyer Programs

First-Time Home Buyer Loans in Cadiz KY

Buying your first home is a major milestone — and it doesn’t have to be overwhelming. At Quality Home Mortgage, we specialize in helping first-time buyers in Cadiz and surrounding communities get approved for affordable home loans, even if you’re starting with limited savings or credit history.



With low down payment options, flexible credit standards, and personalized support, we’re here to make your first home purchase smooth, simple, and successful.

First-Time Buyer Programs We Offer

As a local lender, we work with a variety of loan programs designed specifically for first-time buyers. These include:

  • Just 3.5% down payment required
  • Flexible credit score qualifications
  • Great for buyers with limited savings
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FHA Loans

  • Zero down payment for qualifying rural properties
  • Lower mortgage insurance costs
  • Available throughout much of Western Kentucky
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USDA Rural Housing Loans

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Down Payment Assistance

We help eligible buyers access programs that can cover part or all of your down payment and closing costs.

We'll help determine your eligibility and handle the paperwork so you don’t miss out on available funds.

  • 100% financing for eligible veterans and military families
  • No mortgage insurance
  • Favorable interest rates
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VA Loans

  • 3% down options for well-qualified first-time buyers
  • PMI can be removed once 20% equity is reached
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Conventional Loans (First-Time Buyer Options)

Why First-Time Buyers Trust Us

We Know the Process

Since 2004, we’ve helped hundreds of local families and individuals purchase their first homes. We understand the questions, the stress, and the excitement — and we’re here to walk you through it, step by step.

Local Expertise

Based right here in Cadiz, KY, we understand local property values, rural eligibility zones, and area-specific programs better than national lenders ever could.

Personalized Support

No call centers. No cookie-cutter answers. You’ll work directly with a dedicated mortgage expert who’s committed to your success.

First-Time Home Buying Process

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Step 1: Pre-Approval

We review your income, credit, and goals to determine which loan program you qualify for — and issue a pre-approval letter to guide your home search.

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Step 2: Explore Loan Options

We explain your eligible programs in plain English — including any grants or assistance available to you.

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Step 3: Find the Right Home

We coordinate with your real estate agent to ensure the property meets loan and program requirements.

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Step 4: Application to Closing

We manage the paperwork, schedule your appraisal, work with underwriters, and get you to the finish line.

FAQs About First-Time Home Buyer Loans

  • Do I have to be a “true” first-time buyer?

    Not always! Many programs define first-time buyers as anyone who hasn’t owned a home in the past 3 years.

  • What credit score do I need?

    FHA loans allow scores as low as 580 (or 500 with a higher down payment). Other programs vary. We’ll assess your profile and guide accordingly.

  • Can I buy a home with no money down?

    Yes — USDA and VA loans both offer zero down options for qualified buyers and properties.

  • What are the income limits for assistance?

    It depends on the program. Many are designed for low-to-moderate income households. We’ll help determine what you qualify for.

Let’s Make Homeownership Happen

You don’t need perfect credit or a huge savings account to become a homeowner. With the right support and financing, your first home is within reach — and Quality Home Mortgage is here to help you get there.