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First-Time Home Buyers (Fthb) Loan Programs

Last updated 08-20-2026

CFPB

Updated 08-20-2026

First-Time Home Buyers (Fthb) Loan Programs

First-time home buyers (FTHB) may use a number of different types of loan programs to Fannie Mae, and Freddie Mac with low down payments. Some programs define a FTHB as someone who hasn’t purchased a home in three years or more. Understand your loan options (cfpb.gov/owning-a-home/loan-options/#anchor_loan-type_361

CFPB Mortgage Terms

CFPB · pp. 6–10

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