First-Time Buyers · Medford Oregon
First-Time Home Buyer Programs in Oregon
Buying your first home in Medford or Southern Oregon? Stephen Harris will guide you through every step — from pre-approval to closing day.
Overview
Buying your first home is one of the most significant financial decisions you'll ever make — and it can feel overwhelming. Stephen Harris specializes in helping first-time buyers in Medford, Ashland, Central Point, and Grants Pass understand their options, navigate the process with confidence, and find the loan program that makes homeownership achievable. From down payment assistance programs to FHA and conventional options, Stephen will explain everything in plain language and help you build a strategy that works for your budget and goals. There's no pressure, no jargon — just expert guidance from someone who genuinely cares about your outcome.
Who This Loan Is For
Oregon residents purchasing their first home
Buyers who haven't owned a home in the past 3 years (may qualify as first-time buyer)
Buyers with limited savings who need down payment assistance
Buyers who want to understand all available programs before committing
Anyone who feels uncertain about the mortgage process and wants clear, honest guidance
Key Benefits
Down Payment Assistance
Oregon offers several programs that can help first-time buyers cover down payment and closing costs.
Low Down Payment Options
FHA loans start at 3.5% down; some conventional programs allow as little as 3% for first-time buyers.
Education & Guidance
Stephen walks you through every step — pre-approval, the offer process, appraisal, and closing — so nothing surprises you.
Multiple Program Options
Access to FHA, conventional, VA (if eligible), and state-specific first-time buyer programs.
No Pressure Process
Stephen's goal is your long-term financial health, not a quick transaction. Take the time you need.
Real Estate Insight
Stephen's background as a Realtor® means he understands the full transaction — not just the loan side.
Basic Qualification Guidelines
Must be purchasing a primary residence
Income limits may apply for certain state assistance programs
Credit score requirements vary by program (580+ for FHA; 620+ for most conventional)
Homebuyer education course may be required for some assistance programs
Property must meet program-specific requirements
Stable employment history preferred
Not a commitment to lend. All loans subject to credit approval, property appraisal, and underwriting guidelines. Results may vary.
Get Pre-Approved
Free consultation · No obligation