New Purchase
From your first home to your forever home — compare conventional, FHA, and VA loans and get pre-qualified fast.
Explore Purchase
Licensed in 30+ states · NMLS #2371701
Own your next chapter with confidence.
From first homes to cash-out refinances, Owners First makes financing clear and fast. Compare HELOC, FHA, VA, and refinance options — and get a real answer in minutes, not weeks.
4.9/52,100+ reviews
$3.2B+funded since 2009
12 daysavg. close time
Today's sample rates
LiveIllustrative APRs for well-qualified borrowers.
30-Yr Fixed (Conv.)6.49% APR
FHA 30-Yr Fixed6.12% APR
VA 30-Yr Fixed5.99% APR
HELOC (intro)7.25% APR
Get my custom rate
Trusted, licensed, and accountable
NMLS Registered
Equal Housing Lender
A+ BBB Accredited
4.9 Stars · 2,100+ Reviews
Loan Programs
Find the loan that fits your goal
Five core programs, each with a dedicated specialist. Not sure which is right? We'll match you in a 10-minute call.
HELOC
Borrow against your home's equity with a flexible line of credit — renovate, consolidate, or cover big expenses.
Explore HELOCFHA Loans
Down payments as low as 3.5% and flexible credit guidelines — built for first-time and returning buyers.
Explore FHAVA Loans
$0 down, no PMI, and competitive rates for active-duty service members, veterans, and eligible spouses.
Explore VARefinance
Lower your rate, shorten your term, or take cash out. We'll model the break-even before you commit.
Explore Refi
Why Owners First
A lender that works for you — not the other way around.
We pair modern technology with real loan officers, so you get speed without losing the human who actually picks up the phone.
- Transparent pricing. No junk fees, no surprises at closing — you see every cost up front.
- One dedicated officer. The same expert from application to keys-in-hand.
- Fast, online, secure. Upload docs, e-sign, and track your loan from any device.
- Close on time. 96% of our loans close on or before the contract date.
$3.2B+Funded in home loans
30+States licensed
12 daysAverage time to close
4.9★Average client rating
How it works
Three steps from question to keys
A streamlined process designed to remove the guesswork from getting a loan.
Get pre-approved
Answer a few questions online and get a verified pre-approval letter in as little as 5 minutes — no impact to your credit to start.
Compare your options
Your loan officer walks you through HELOC, FHA, VA, and refinance scenarios side-by-side so you choose with confidence.
Close & celebrate
E-sign your docs, track every milestone, and close on time — often days ahead of schedule.
Calculators
Estimate your monthly payment
Adjust the numbers to see how loan amount, rate, and term affect what you'd pay. For planning only — your real terms depend on a full application.
$
Estimate excludes taxes, insurance, and HOA dues. Not a commitment to lend.
Estimated monthly (P&I)
$2,528
Principal$400,000
Total interest$510,178
Total of payments$910,178
Client stories
Loved by homeowners nationwide
"As first-time buyers the FHA process felt scary, but our officer explained every step. We closed early and under budget on fees."
"Used my VA benefit for the first time. Zero down, no PMI, and the team handled the COE paperwork for me. Couldn't recommend more."
"Refinanced and pulled cash out for a remodel. They modeled the break-even point honestly and saved us $380 a month."
Questions
Frequently asked
Most borrowers complete our online application in under 15 minutes and receive a verified pre-approval letter the same day. A soft credit check is used to start, so there's no impact to your score.
FHA loans are government-backed with lower down payment (as little as 3.5%) and more flexible credit requirements, but include mortgage insurance. Conventional loans can avoid mortgage insurance at 20% down. Your loan officer will compare both for your situation.
Active-duty service members, veterans, National Guard, Reserves, and many surviving spouses are eligible. You'll need a Certificate of Eligibility (COE) — we help you obtain it at no cost as part of your application.
A HELOC gives you a flexible, revolving line you draw on as needed — ideal for ongoing projects. A cash-out refinance replaces your mortgage with a larger one and gives you the difference as a lump sum, often at a fixed rate. We'll model both so you can compare total cost.
Get started
Ready to see your real numbers?
Get a free, no-obligation pre-approval and talk to a dedicated loan officer who'll help you choose between HELOC, FHA, VA, and refinance options.