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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