Best Home Loans for First Time Buyers in 2025 Revealed!

Have Questions or Ready to get Pre-Approved? https://WorkwithChanning.com
The Best Mortgage Programs for First Time Home Buyer in 2025

⭐ Call or Text Me: My cell phone is 337-476-2653 I am happy to help. Let’s get you home!:)

⭐My Google Reviews: https://tinyurl.com/bayoureviews
_____________________________________________________



Top Resources
🏡 Louisiana First-Time Home Buyer Guide: https://bayou-mortgage.com/louisiana-...
📈Todays Rates 👉https://bayou-mortgage.com/louisiana/...
✖️ Mortgage Calculator https://bayou-mortgage.com/louisiana-...
✅ Live First-Time Homebuyer Class • https://webinar.bayou-mortgage.com/ho...

Follow me on:

▶ Instagram: @mortgagesbychanning
▶ Facebook: Bayou Mortgage
▶ TikTok: Mortgagebychanning

Thanks for watching!
Subscribe NOW for more mortgage/real estate/finance straight talk:
/ @bayoumortgage

Best Mortgage Programs for First-Time Home Buyers in 2025 – FHA, USDA, Conventional, VA & Down Payment Assistance Explained

If you’re buying your first home in 2025, this is the guide you need. We’ll break down the top mortgage loan programs for first-time buyers, compare their pros and cons, and help you figure out which loan type will save you the most money.

In this video you’ll learn:

🏆 Best first-time home buyer loans ranked for 2025

💰 How to qualify for an FHA loan with as little as 3.5% down—even with past credit issues

🌾 Why the USDA loan lets you buy with zero down payment in eligible rural and suburban areas

📊 When a Conventional loan is better (and how to qualify with just 1%–3% down)

🎖 Why veterans and active-duty service members should always consider the VA loan

🆓 How down payment assistance programs work and the trade-offs you need to know

Whether you have great credit, low savings, or are somewhere in between, this first-time buyer guide will show you the smartest mortgage options to consider in 2025.

📍 Licensed in Louisiana — Specializing in FHA, USDA, Conventional, and VA loans

0:00 – Intro: Best mortgage programs for first-time buyers in 2025
0:28 – Why your personal situation matters when choosing a loan
0:58 – #1 FHA Loan: Overview & benefits
1:25 – How FHA loans work & why they’re flexible
1:55 – Credit score requirements & down payment for FHA
2:24 – FHA advantages: high DTI limits, forgiving credit history
2:54 – Why FHA can still be great even with good credit
3:24 – Interest rate & PMI advantages for FHA borrowers
3:49 – How to work with Channing (free consultation)
4:09 – FHA DTI limits & late payment challenges
5:03 – #2 USDA Loan: Overview & benefits
5:33 – USDA credit score requirements & no down payment
6:01 – Where USDA loans are available (rural/suburban areas)
6:33 – Income limits & eligibility rules for USDA
7:04 – Interest rates & lowest PMI costs for USDA loans
7:35 – Why USDA is a top pick for zero down buyers
8:00 – #3 Conventional Loans: Overview & benefits
8:31 – Best for good credit, steady income, and some savings
9:05 – Down payment options & closing cost contributions
9:34 – 1% down and 3% down programs explained
10:02 – Why higher down payment can make conventional better
10:31 – PMI removal & refinancing considerations
10:56 – VA Loan: Best choice for veterans and active duty
11:21 – Down payment assistance programs explained
11:49 – The trade-offs of down payment assistance
12:15 – Closing thoughts & how to get help


Channing Moore
Owner, Bayou Mortgage NMLS # 1845349
NMLS # 1235512
Call or Text: (337) 329-9762
[email protected]
791 Bayou Pines East Unit 5
Lake Charles, LA 70601