First Time? We’ll Help You Find the Right Home Loan

At Keith Collins Mortgage Team, we work with first time home buyers more than any other type of borrower. We know exactly what you’re going through, and we pride ourselves in making the process as fun as it is educational!

Home Loans for First Time Home Buyers

As a first time homebuyer, you may be eligible for many different types of home loans, depending on a few factors such as:

  • Your credit history and credit score
  • Amount you’re willing to spend on your down payment
  • How long you plan to live in your home
  • Your income level
  • Where the home is located
  • If you’re a military veteran, reservist, active member or spouse

It can be complicated to figure out which home loan is right for you, but with our team of experienced mortgage professionals at your side, we can easily navigate this process with you.
Because everyone’s circumstances are different, the easiest way to find the right home loan is simply to apply. Our quick and easy application will help us determine the next steps in your journey. Click below to get started!

More Information for First Time Home Buyers

Below are a few of the most common loans we see for first time home buyers.

FHA Loans

FHA Loans are home loans insured by the Federal Housing Administration (FHA) which is a part of HUD. With this layer of insurance, lenders like Keith Collins Mortgage Team are able to offer lower down payments, lower closing costs and easier credit qualifying than loans that are not backed by the government.

Features of FHA Loans Include:

  • Low down payment
  • Flexible income, debt, and credit requirements
  • Use gift funds to help with your down payment, contact us to learn more about this benefit

FHA Loans are Recommended for:

  • Homebuyers with limited savings
  • Low to moderate income homebuyers

Find more information on FHA Loans.

VA Loans

VA Loans are home loans guaranteed by the U.S. Department of Veterans Affairs. With this layer of insurance, lenders like Keith Collins Mortgage Team are able to qualify borrowers more easily for VA loans than with loans that are not backed by the government.

Features of VA Loans Include:

  • No Down Payment Required
  • Flexible income, debt and credit requirements

VA Loans are Recommended for:

  • Qualified veterans, reservists, active service members and their spouses
  • Eligible first or second time homebuyers who have low to moderate income

Find more information on VA Loans.

Conventional Home Loans

Conventional Home Loans are home loans that are not insured by the U.S. Government. The most common types of conventional home loans are Fixed-Rate Loans and Adjustable-Rate Loans.

Features of Fixed-Rate Loans Include:

  • Predictable fixed payments
  • Easy to amortize payments
  • Protection against rising interest rates

Fixed Rate Loans are Recommended for:

  • Homebuyers who prefer regular, fixed payments
  • Homebuyers with fixed income
  • Homebuyers who plan to stay in their home for many years

Find more information on Conventional Home Loans.

Features of Adjustable-Rate Loans Include:

  • Early term low monthly payments
  • Lower start payments can allow larger loans
  • A variety of initial fixed rate options

Adjustable-Rate Loans are Recommended for:

  • Homebuyers who want to save money in the short run
  • Homebuyers who want to move in a few years
  • Homebuyers who desire a lower loan payment

Or simply fill out an application so we can determine which home loan will fit your needs best!


Keith Collins Team with Alpine Mortgage Planning made our dream home a reality. Instead of those online .com mortgage or app companies that are out of state we needed something local that we can depend on with questions and talk to a real person. We are so grateful to find Keith and his team. From the beginning he explained how much house we can afford and what payments will be monthly to the process signing and being funded, it is the best feeling and less intimidating when you're a first time home buyer. Anytime we had any questions via email it was responded right away and no hesitation. Also the weekly updates and the time table were exactly met with no delay. With the biggest purchase of our lives we are extremely satisfied with the level of service Keith and his team delivered and recommend anyone looking for a professional customer service team, Keith is it! Thank you so much! -Chris and Sierra.

Keith Collins team was amazing. They took over my financing 3/4 of the way through When the company i was using failed to do their job and jerked me around to the point I almost lost my house. I had given up hope when keiths team came in and saved everything. They made an extremely difficult and stressful situation work in a short period of time.  They managed to expedite everything and get me approved and  in my house! They did  what the other company had failed to do. They also added a lot of special touches. A box of goodies I thought was odd.. but turned out to save the day a few times. They also sent a few other things that were amazing and I loved. I highly recommend this team. They truly saved me from being homeless as well as getting my loan funded. Thank you to keith and his team you all are amazing!!!!!

My fiancé and I had a wonderful experience working with Keith. He was able to look at our finances like a puzzle and advise us how to make the pieces fit in the most ingenious way. We just moved into our new house and could not be happier. Keith and his team exhibited stellar communication, flexibility, and enthusiasm throughout the entire process. I highly recommend Keith and I am confident he can solve any financial puzzle. We are looking forward to working with Keith, and his team, again in the future. Thanks Keith!

I just bought my first home in June and Keith was my loan officer. I am so glad I went with Keith and his team! Buying a home for the first time can be scary even though it's exciting. Keith contacted me, let me know what I was pre-qualified for and what my options were. All the terms and how everything works is completely new to me and he made sure to explain everything and answered all my questions. They were consistent throughout the entire process, and sent me emails to update me on the status of my loan or if anything was needed on my part. They were easy to get a hold of and always responded to my emails timely. Keith and his team are very professional and definitely provide their customers with great customer service. I had a great experience with Alpine Mortgage and would definitely recommend Keith and his team, and I'll be keeping them in mind for any future business needs that I may have.

I've had the pleasure of working with Keith Collins Team on 3 different home purchases.  His Team is professional, hard-working and courteous.  They over communicate throughout the mortgage lending process and provide sound financial advice to make sure you select the best loan for your needs today and into the future.  Give them a chance.  They'll exceed your every expectation.

Buying a home is a tiring and emotional process.  I had been disappointed time after time wanting to purchase a home only to be turned down.  Why?  Because I'm self employed.  I don't fit squarely inside the box of what most lending institutions want in a buyer.  I never saw myself as a risk, but I guess I am.  Until I was recommended to Keith's team at Alpine Mortgage.  Who?  What was this guy going to tell me that would be any different?  So, I was ready for more disappointment.  Prove it!  And he did.  Keith went through my life and my hundreds of pages of tax returns and said, you know what?  I think we can do this.  And he was right!  Because I have the keys to my new home in my hand.  So, if you are a tough case like I am...Keith and his team will exhaust all options before they say it can't be done.  But if they say it CAN, then it CAN!  Good job Keith.  I look forward to my next home purchase with Keith at Alpine Mortgage.

Most first time home buyers wouldn't have the perspective to really know just how much of a gift the Keith Collins team is for anyone trying to finance a home. Having had a previous broker (which you can read about in another review of mine), I can speak from experience as to the professionalism, honesty and transparency of Keith Collins and his staff.

In his initial meeting, Keith explained multiple options for financing our first home, including ways to save even more money months down the line, promising that he and his team will be in touch and looking out for us long after the initial transaction. Going through the process, Keith's team was just as helpful and professional. Joy Patterson went through every line of the loan estimate with us to make sure we completely understood it, and even told us how she enjoys helping clients and loves to explain and educate. She and Beth Gomez did a fantastic job gathering all the information needed for the underwriter and keeping all of my documents and information organized. If there was something they needed, Beth always presented what was required as an easy to follow list.

There was not a single instance in which someone on the Keith Collin's team wasn't available to answer a question or assist when needed. Everything went very smoothly on the loan side of the process. One of the best things was receiving e-mail updates every step of the way, and also watching the boxes get checked off each time a little more progress was made. Everything closed on the estimated date, and we couldn't be more pleased with our choice to have Keith Collins and his team handle the biggest financial transaction of our lives.

My wife and I just bought our first home and decided to go with a local lender.  After doing research online, we chose Keith and his team based off very positive reviews and we are incredibly glad we did.

The biggest positive with choosing Keith has been communication.  We asked a ton of questions and always received a quick email response or answer over the phone.  He and his team sent progress emails every step of the way to keep us informed on the process.  They also spoke directly to our bank several times when we were trying to navigate some of the final steps of our loan, speeding up the timeline as we weren't sure what specifically was needed.

Throughout the whole loan process we felt valued and Keith and his team were very accommodating.  We were also able to digitally sign many docs which helped as we were living 5 hours away prior to closing. Highly recommend working with Keith!!