Primary home loans facts - January 2026
- You can Purchase a Primary Home with as little as 3% down payment with a Conventional Loan Program.
- If you are a Veteran, you can choose a VA Loan which is a 0% Downpayment Program.
- 0% Downpayment is also available for eligible rural and suburban properties under USDA loan program.
- You can qualify for a Primary Home Mortgage with a credit score of as low as 500 under FHA Loan Program.
Helping put Homeownership within reach of borrowers since 2007
Since 2007, we have helped over 10,000 families move into their First Home/ Primary Home. Our mortgage programs for primary home, especially the ones for first time homebuyers focus on prospects with low income, low credit and other challenges that usually prevent them from securing a decent mortgage loan for a primary home.
At the time of writing this article on 5th of December 2025, the homeownership is under stress and factors such as inflated home prices, higher mortgage rates are preventing potential home buyers from making their move.
The need of the hour is a range of simple and effective mortgage loan programs for primary home purchase. Programs we offer enable more people to achieve homeownership with a low down payment of as low as 3.00%, Zero out of pocket expense at closing and access to wide variety of funding options including grants for their primary home loan.
Important Points to Remember when shopping for a Primary Home Mortgage.
Mortgage Rates as on 07/30/2026
Conventional Loans
Rates for Primary Home Purchase
6.78%
(+0.02%)
6.32%
(+0.01%)
FHA & VA Loans
Rates for Primary Home Purchase
6.34%
(+0.02%)
6.36%
(+0.02%)
Weekly US Average Mortgage Rates as on 07/30/2026. Select a product to view important disclosures, payments, assumptions, and APR information. Please note we offer additional home loan options not displayed here. Rates for Primary Home Purchase.
Thinking of Buying a Primary Home? You have come to the Right Place!
Lowest Rates for Primary Home
Access Wholesale Rates & Low Margins to save thousands of dollars over the life of your primary home mortgage.
Zero Application Fees!
Applying for a Primary Home Mortgage is FREE with us which saves you hundreds of dollars right off the bat!
No Cost Loan Options!
We have No Cost mortgage options for our Primary Home Mortgage programs which eliminate any origination and funding fee for you.
Available 18 hours every day!
Our Experienced and Compassionate staff is available from 6 AM to 9 PM all time zones to answer your Primary Home Mortgage related questions.
Quick Pre-Approval!
Get pre-approved for your primary home mortgage in as little as 60 minutes! Call US Toll Free, Use the Message Icon on your Left OR Fill out the form at the top of the page to get started.
Crazy Fast Loan Closing!
Our average clear to close is 21 Days! That is Crazy Fast.
Frequently Asked Questions
You can qualify to buy a Primary Home with as little as 3% down using a Conventional Loan. FHA Loans require a 3.50% down. If you qualify as a Veteran, you can use a VA Loan with ZERO down.
580 FICO Score. Typically, you can buy your dream Primary home with a credit score of as low as 580. Call Us Toll Free at +1(877)466-1211 and get a personalized rate quote instantly!
24 Hours. Our average turnaround time to get you a Pre-Approval on your Primary Home Mortgage takes less than 24 Hours. Call Toll Free # 1877-466-1211 to get started!
We work with Prospects of all Credit Types, All Income Sources, All Age Groups, Offer All Mortgage Types, have been in business for 18+ Years, Our Rates are 0.25% to 0.50% LOWER than most lenders, We offer LOW to NO Closing Cost Options, Our Standard Approval Time is 24 Hours, We close Most Loans in Under 21 Days, We are Available 12 Hours Per Day via Phone – Text – Live Chat – Email.
At ShowMyRate.Com, we are your Personal Mortgage Advisors!
We care for our clients, provide top notch customer service and nothing is more important to us than Saving YOU Money!
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