7 Best Mortgage Options for First-Time Homebuyers — Real Numbers, Real Total Costs

Choosing the right mortgage program as a first-time homebuyer can mean the difference of tens of thousands of dollars over the life of your loan. This guide evaluates seven mortgage options — including FHA, VA, conventional, and non-QM programs — with real total cost worksheets, credit score thresholds, and comparison tables so you can match your exact financial profile to the right path to homeownership.