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First-Time Homebuyers

Buying your first home is one of the biggest milestones in life. The 2 Mortgage Guys — Ryan Minick and Steve DeLon, Branch Managers & Senior Loan Officers at Luminate Bank in Kokomo, Indiana — make it simple, stress-free, and even exciting. From pre-approval to closing day, they are with you every step of the way.

Whether you are dreaming of a cozy starter home or a place to grow your family, we have the programs, tools, and expertise to turn that dream into keys in your hand.

Programs for First-Time Buyers

FHA Loans

3.5% down, flexible credit requirements

Conventional 3% Down

First-time buyer programs with low down payments

USDA Rural Loans

0% down for eligible rural and suburban areas

VA Loans

0% down for veterans and active military

HomeReady

Fannie Mae 3% down with flexible income and cancellable PMI

Home Possible

Freddie Mac 3% down with flexible income and cancellable PMI

Don't let the lack of money keep you from buying a home.

Down Payment Assistance

Grants and loans to help cover your down payment

The Home Buying Process

Quick overview of the home buying process

Get Pre-Approved

Know your budget and show sellers you are serious. We review your income, credit, and savings to issue a pre-approval letter.

Find Your Home

Work with a realtor to tour homes in your price range. Your pre-approval sets the ceiling so you shop with confidence.

Make an Offer

Once you find the right home, your agent submits an offer. We can quickly adjust your pre-approval if needed.

Loan Processing

We order the appraisal, verify your documents, and work with the title company. Most loans clear in 17–30 days.

Close & Move In

Sign final documents, pay your down payment and closing costs, and receive the keys. Welcome home!

Free First-Time Homebuyer Guide

Get our exclusive step-by-step guide to buying your first home. No spam, ever — just expert advice from Ryan & Steve.

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Latest First-Time Buyer Insights

Recent articles from our blog covering first-time homebuyer programs, down payment tips, and getting started.

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Your First Home Starts Here

The 2 Mortgage Guys will guide you every step of the way.