First Time Homebuyers

Yes, a first-time home buyer can get a construction loan in 2026, but it’s just a bit harder than buying an existing home. Building from the ground up is riskier for lenders, so they set a higher bar: stronger credit, a solid down payment, and detailed building plans with an approved builder. The good news … Read more

In most cases, the “First-Time Homebuyer Credit” that people ask about was a tax credit from 2008 and if you claimed the earliest version, you may still be repaying it in 2026. Here’s the important part many people don’t know: there is no new federal first-time homebuyer tax credit available today. Bills to create one … Read more