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West Ridge Financial

First home · Loan guide

First-time homebuyers.A clear path home.

Low-down-payment options, down payment assistance where available, and a clear plan from pre-approval to keys.

Get my personalized quote Estimate what you can afford
  • PurchaseYour first home or your next
  • RefinanceExplore a better fit
  • Resort loansFinance your retreat
  • CondotelsSpecialty property financing
  • Private lendingA different path forward
  • Personal serviceDirect to Mike and the team

The essentials

How this loan works.

Your first home is a big step, and the right loan is only part of it. Mike starts with the payment you’re comfortable with, then compares low-down-payment options like conventional 3% down, FHA, VA, and USDA.

Many states offer first-time buyer and down payment assistance programs through their housing finance agencies. Availability, income limits, and terms vary by state and lender, so Mike will review which programs you may qualify for in your state and what they’d really cost.

Estimate what you can afford
Mike Larsen, founder of West Ridge Financial

Personal from the start

Your questions.
A real conversation.

You don’t need to have it all figured out. Tell Mike what you have in mind, and explore the options together.

(801) 971-3956

Program availability, terms, and eligibility depend on the lender, the property, and your complete application. This overview is general education, not a commitment to lend.