My First Home

"I Never Thought I Would Be Able To Afford My Own Home!"

Looking To Buy Your First Home?

For many first-time homebuyers, purchasing a home can fulfill a dream, but can often seem overwhelming or not possible. That’s where we can help!

At Clear Mountain Bank, our team of Mortgage Specialists can provide a number of home loan program options to help you purchase your own home – often with little to no money down!

Getting Started and Determining Your Goals.

Here to Help!

Buying a home can feel like a challenge, and often, the first step can seem like the most difficult. Which is why we encourage your first step to contact our mortgage team at Clear Mountain Bank, so that we can help walk you through the process together!

When you talk with one of our Mortgage Specialists, they will get to know you better and help create a plan specific for you, including understanding your price range based on your financial situation, preparing for your pre-approval application and understanding the various first-time homebuyer programs.

First Step, Getting Pre-Approved

Obtaining your pre-approval for a mortgage is your first step in owning your own home. A pre-approval letter can put you ahead of other buyers, but also helps you understand what house price you can comfortably afford. Best of all, you can usually get a pre-approval the same day!

Rest assured, we have made the pre-approval process quick, easy, and convenient with HelloHome Mortgage, our online mortgage application.

Ready to Apply Online?

Choosing The Best First-Time Homebuyer Program

Now that you have your mortgage pre-approval, our team can help select the best program for you as a first-time homebuyer. Fortunately, there are several loan programs for assistance with your down payment and closing costs, including government-sponsored programs, as well as local and federal tax credits.

Here is a look at some of the most popular first-time home buyer loans and grants:


A special first-time homebuyer program only available at Clear Mountain Bank offering a $0 down payment and eligible with a lower credit score.

WV Housing 

Homeownership Program

The Homeownership Program provides loans to first-time homebuyers and buyers in targeted counties as long as certain criteria are met.

USDA Loans

A USDA Rural Development loan can help you purchase your dream home with no money down with a low fixed rate.

WV Housing Movin’ 

UP Program

NOTE – The Movin’Up loan program is temporarily suspended.

The Movin’ UP Program is designed to help moderate-income homebuyers purchase a new residence, with no first-time homebuyer requirement. This loan is geared toward home buyers who might have outgrown their current residence or just want to make a change.

Select a location