[vc_row][vc_column box=”true” bgcolor=”#ffffff”][vc_row_inner][vc_column_inner width=”2/3″][vc_single_image image=”6516″ img_size=”full” alignment=”center”][vc_column_text]A first-time home buyer is an individual who has had no ownership in a¬†principal¬†residence within the last 3 years.

Loan and down payment assistance programs are available.[/vc_column_text][/vc_column_inner][vc_column_inner width=”1/3″][vc_widget_sidebar sidebar_id=”sidebar-1″][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row]