--- title: Learning Center | First-Time Homebuyer (4) description: "First-Time Homebuyer | CapCenter offers a number of products designed to help all borrowers get the home they want.\n\nWe are here to help you find the right product, but if you're curious, we've set up a whole learning section to get you familiar with the mortgage, realty and insurance space. (4)" image: https://blog.capcenter.com/hubfs/Logo.png --- [Skip to the main content.](https://blog.capcenter.com/learning-center/tag/first-time-homebuyer/page/4#main-content) [![CapCenter Logo](https://blog.capcenter.com/hubfs/Imported%20sitepage%20images/63bc48313019ad7f17efeae8_capcenter_logo.svg "CapCenter Logo")](https://www.capcenter.com/) [![CapCenter Logo](https://blog.capcenter.com/hubfs/Imported%20sitepage%20images/63bc48313019ad7f17efeae8_capcenter_logo.svg "CapCenter Logo")](https://www.capcenter.com/) - Mortgage - Purchase Mortgages - [Mortgage Calculator](https://www.capcenter.com/quote-details/purchase) - [Mortgage Rates](https://www.capcenter.com/mortgage-rates/) - Refinance Mortgages - [Refinance Calculator](https://www.capcenter.com/quote-details/refinance) - [Refinance Rates](https://www.capcenter.com/mortgage-rates/) - Mortgage Services - [Purchase Mortgages](https://www.capcenter.com/buy-a-home) - [Refinance Mortgages](https://www.capcenter.com/refinance) - Getting Started - [Get Preapproved](https://www.capcenter.com/apply-now/) - [Refinance Today](https://www.capcenter.com/apply-now/) - Realty - Purchase Services - [Home Search](https://www.capcenter.com/homes/location/geo/37.6590,-77.6970,37.4320,-77.2560,12) - [Home Valuation](https://www.capcenter.com/home-sale-estimate/valuation#valuation) - Listing Services - [Recently Sold Homes](https://www.capcenter.com/homes/location/geo/37.6128,-77.6064,37.4691,-77.3365,12/filters/propertyType=RecentlySold) - [Home Sale Calculator](https://www.capcenter.com/home-sale-estimate/valuation#quote) - Realty Services - [Realty Purchase Services](https://www.capcenter.com/sell-a-home) - [Realty Listing Services](https://www.capcenter.com/sell-a-home) - Getting Started - [Buying Consultation](https://www.capcenter.com/forms/request-buyers-agent) - [Listing Consultation](https://www.capcenter.com/forms/request-listing-agent) - Insurance - Property & Casualty - [Homeowners Insurance](https://www.capcenter.com/learning/insurance/homeowners-insurance) - 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[VA Mortgage Programs](https://blog.capcenter.com/learning-center/va-loan-programs) - Common Questions - [What is wrong with APR?](https://blog.capcenter.com/learning-center/what-is-wrong-with-apr) - [Who pays closing costs?](https://blog.capcenter.com/learning-center/who-pays-closing-costs) - [How long does a preapproval last?](https://blog.capcenter.com/learning-center/how-long-does-a-preapproval-last) - Common Questions - [Frequently Asked Questions](https://blog.capcenter.com/knowledge) - [Learning Center Articles](https://blog.capcenter.com/learning-center) - [Glossary](https://www.capcenter.com/content/more/glossary) - Guides - [Home Buying Guide](https://www.capcenter.com/guides/home-buyers-guide) - [Home Refinancing Guide](https://www.capcenter.com/guides/refinance-guide) - [Home Selling Guide](https://www.capcenter.com/guides/home-sellers-guide) - [Company](https://www.capcenter.com/content/more/about_us) - [Contact](https://www.capcenter.com/contact/) - [Sign in](https://www.capcenter.com/sign-in/) [![Apply Now](https://no-cache.hubspot.com/cta/default/23282485/b2c313b4-9c1c-458c-b1f2-6b3615d53dde.png)](https://cta-redirect.hubspot.com/cta/redirect/23282485/b2c313b4-9c1c-458c-b1f2-6b3615d53dde) Toggle Menu Toggle Menu [![Apply Now](https://no-cache.hubspot.com/cta/default/23282485/b2c313b4-9c1c-458c-b1f2-6b3615d53dde.png)](https://cta-redirect.hubspot.com/cta/redirect/23282485/b2c313b4-9c1c-458c-b1f2-6b3615d53dde) - Mortgage - Purchase Mortgages - [Mortgage Calculator](https://www.capcenter.com/quote-details/purchase) - [Mortgage Rates](https://www.capcenter.com/mortgage-rates/) - Refinance Mortgages - [Refinance Calculator](https://www.capcenter.com/quote-details/refinance) - [Refinance Rates](https://www.capcenter.com/mortgage-rates/) - Mortgage Services - [Purchase Mortgages](https://www.capcenter.com/buy-a-home) - [Refinance Mortgages](https://www.capcenter.com/refinance) - Getting Started - [Get Preapproved](https://www.capcenter.com/apply-now/) - [Refinance Today](https://www.capcenter.com/apply-now/) - Realty - Purchase Services - [Home Search](https://www.capcenter.com/homes/location/geo/37.6590,-77.6970,37.4320,-77.2560,12) - [Home Valuation](https://www.capcenter.com/home-sale-estimate/valuation#valuation) - Listing Services - [Recently Sold Homes](https://www.capcenter.com/homes/location/geo/37.6128,-77.6064,37.4691,-77.3365,12/filters/propertyType=RecentlySold) - [Home Sale Calculator](https://www.capcenter.com/home-sale-estimate/valuation#quote) - Realty Services - [Realty Purchase Services](https://www.capcenter.com/sell-a-home) - [Realty Listing Services](https://www.capcenter.com/sell-a-home) - Getting Started - [Buying Consultation](https://www.capcenter.com/forms/request-buyers-agent) - [Listing Consultation](https://www.capcenter.com/forms/request-listing-agent) - Insurance - Property & Casualty - [Homeowners Insurance](https://www.capcenter.com/learning/insurance/homeowners-insurance) - [Auto Insurance](https://www.capcenter.com/learning/insurance/car-insurance) - Life Insurance - [Term Life Insurance](https://www.capcenter.com/learning/insurance/life-insurance) - Getting Started - [Get An Insurance Quote](https://www.capcenter.com/insurance-quote/savings) - [Access Insurance Portal](https://login.apps.vertafore.com/idp/prp.wsf?wa=wsignin1.0&wtrealm=https%3a%2f%2fclientportal.vertafore.com%2f&wctx=rm%3d0%26id%3dpassive%26ru%3d%2fInsured%2fapp%2f%3fredirectLocation%3d3206701-1&application=clientportal&authType=endinsured&agency=eyJhZ2VuY3kiOiIzMjA2NzAxLTEiLCJiYWNrZ3JvdW5kQ29sb3IiOiIjZmVmZWZlIiwiZm9udENvbG9yIjoiIzIxMzAzNSIsImxvZ28iOiJodHRwczovL2NsaWVudHBvcnRhbC52ZXJ0YWZvcmUuY29tL2FwaS8xNy4xL1RlbXBsYXRlcygxMDA3MjApL0FnZW5jeUxvZ28ifQ%3d%3d&agencyId=3206701-1) - Learning - Mortgage Programs - [Conventional Mortgages](https://www.capcenter.com/learning/mortgages/conventional-mortgages) - [FHA Mortgage Programs](https://blog.capcenter.com/learning-center/fha-loan-programs) - [VA Mortgage Programs](https://blog.capcenter.com/learning-center/va-loan-programs) - Common Questions - [What is wrong with APR?](https://blog.capcenter.com/learning-center/what-is-wrong-with-apr) - [Who pays closing costs?](https://blog.capcenter.com/learning-center/who-pays-closing-costs) - [How long does a preapproval last?](https://blog.capcenter.com/learning-center/how-long-does-a-preapproval-last) - Common Questions - [Frequently Asked Questions](https://blog.capcenter.com/knowledge) - [Learning Center Articles](https://blog.capcenter.com/learning-center) - [Glossary](https://www.capcenter.com/content/more/glossary) - Guides - [Home Buying Guide](https://www.capcenter.com/guides/home-buyers-guide) - [Home Refinancing Guide](https://www.capcenter.com/guides/refinance-guide) - [Home Selling Guide](https://www.capcenter.com/guides/home-sellers-guide) - [Company](https://www.capcenter.com/content/more/about_us) - [Contact](https://www.capcenter.com/contact/) - [Sign in](https://www.capcenter.com/sign-in/) ##### **Purchase Mortgages** - [Mortgage Calculator](https://www.capcenter.com/quote-details/purchase) - [Mortgage Rates](https://www.capcenter.com/mortgage-rates/) ##### **Refinance Mortgages** - [Refinance Calculator](https://www.capcenter.com/quote-details/refinance) - [Refinance Rates](https://www.capcenter.com/mortgage-rates/) ##### **Mortgage Services** - [Purchase Mortgages](https://www.capcenter.com/buy-a-home) - [Refinance Mortgages](https://www.capcenter.com/refinance) ##### **Getting Started** - [Get Pre-Approved](https://www.capcenter.com/apply-now/) - [Refinance Today](https://www.capcenter.com/apply-now/) ##### **Purchase Services** - [Recently Listed Homes](https://www.capcenter.com/homes/location/geo/37.6590,-77.6970,37.4320,-77.2560,12) - [Home Valuation](https://www.capcenter.com/home-sale-estimate/valuation#valuation) ##### **Listing Services** - [Recently Sold Homes](https://www.capcenter.com/homes/location/geo/37.6128,-77.6067,37.4691,-77.3368,12/filters/propertyType=RecentlySold) - [Home Sale Calculator](https://www.capcenter.com/home-sale-estimate/valuation#quote) ##### **Realty Services** - [Realty Listing Services](https://www.capcenter.com/sell-a-home) - [Realty Purchase Services](https://www.capcenter.com/best-realtor-buy-home) ##### **Getting Started** - [Buying Consultation](https://www.capcenter.com/forms/request-buyers-agent) - [Listing Consultation](https://www.capcenter.com/forms/request-listing-agent) ##### **Property & Casualty** - [Homeowners](https://www.capcenter.com/learning/insurance/homeowners-insurance) - [Automobile](https://www.capcenter.com/learning/insurance/car-insurance) ##### **Life Insurance** - [Term Life](https://www.capcenter.com/learning/insurance/life-insurance) ##### **Getting Started** - [Get An Insurance Quote](https://www.capcenter.com/insurance-quote/savings) - [Access Insurance Portal](https://login.apps.vertafore.com/idp/prp.wsf?wa=wsignin1.0&wtrealm=https%3a%2f%2fclientportal.vertafore.com%2f&wctx=rm%3d0%26id%3dpassive%26ru%3d%2fInsured%2fapp%2f%3fredirectLocation%3d3206701-1&application=clientportal&authType=endinsured&agency=eyJhZ2VuY3kiOiIzMjA2NzAxLTEiLCJiYWNrZ3JvdW5kQ29sb3IiOiIjZmVmZWZlIiwiZm9udENvbG9yIjoiIzIxMzAzNSIsImxvZ28iOiJodHRwczovL2NsaWVudHBvcnRhbC52ZXJ0YWZvcmUuY29tL2FwaS8xNy4xL1RlbXBsYXRlcygxMDA3MjApL0FnZW5jeUxvZ28ifQ%3d%3d&agencyId=3206701-1) ##### **Mortgage Programs** - [Conventional Mortgages](https://blog.capcenter.com/learning-center/conventional-mortgage-programs) - [FHA Mortgage Programs](https://blog.capcenter.com/learning-center/fha-loan-programs) - [VA Mortgage Programs](https://blog.capcenter.com/learning-center/va-loan-programs) ##### **Common Questions** - [What is wrong with APR?](https://blog.capcenter.com/learning-center/what-is-wrong-with-apr) - [Who pays closing costs?](https://blog.capcenter.com/learning-center/who-pays-closing-costs) - [How long does a pre-approval last?](https://blog.capcenter.com/learning-center/how-long-does-a-preapproval-last) ##### **Resource Center** - [Frequently Asked Questions](https://blog.capcenter.com/knowledge) - [Learning Center Articles](https://blog.capcenter.com/learning-center) - [Glossary](https://www.capcenter.com/content/more/glossary) ##### **Guides** - [Home Buying Guide](https://www.capcenter.com/guides/home-buyers-guide) - [Home Refinancing Guide](https://www.capcenter.com/guides/refinance-guide) - [Home Selling Guide](https://www.capcenter.com/guides/home-sellers-guide) ##### Column Headline - Testing 1 - Sub Nav 1 - Sub Nav 2 - Testing 2 - Testing 3 ##### Column Headline - Testing 1 - Sub Nav 1 - Sub Nav 2 - Testing 2 - Testing 3 ##### Column Headline - Testing 1 - Sub Nav 1 - Sub Nav 2 - Testing 2 - Testing 3 ##### Column Headline - Testing 1 - Sub Nav 1 - Sub Nav 2 - Testing 2 - Testing 3 # Learning Center   --- **Shed the confusion with our featured Mortgage, Real Estate and Insurance articles** CapCenter offers a number of products designed to help all borrowers get the home they want. We are here to help you find the right product, but if you're curious, we've set up a whole learning section to get you familiar with the mortgage, realty and insurance space. ![LEARN](https://blog.capcenter.com/hubfs/LEARN.png "LEARN") ![Happy Family Looking At A Computer On A Couch](https://blog.capcenter.com/hubfs/test-image.jpg "Happy Family Looking At A Computer On A Couch") ### First-Time Homebuyer (4) [![family relaxing on the couch](https://blog.capcenter.com/hs-fs/hubfs/contingency.png?width=1748&height=915&name=contingency.png)](https://blog.capcenter.com/learning-center/what-does-contingent-mean) 4 min read #### [What Does Contingent Mean?](https://blog.capcenter.com/learning-center/what-does-contingent-mean) ![Picture of Dick Jeffress](https://blog.capcenter.com/hs-fs/hubfs/dick.png?width=30&name=dick.png) [Dick Jeffress](https://blog.capcenter.com/learning-center/author/dick-jeffress): Apr 12, 2023 3:54:36 PM [First-Time Homebuyer](https://blog.capcenter.com/learning-center/tag/first-time-homebuyer) [How To Shop](https://blog.capcenter.com/learning-center/tag/how-to-shop) [Realty](https://blog.capcenter.com/learning-center/tag/realty) [Read More](https://blog.capcenter.com/learning-center/what-does-contingent-mean) [![couple walking their dog down the street](https://blog.capcenter.com/hs-fs/hubfs/What%20is%20an%20hoa-1.jpg?width=2160&height=1176&name=What%20is%20an%20hoa-1.jpg)](https://blog.capcenter.com/learning-center/what-is-a-homeowners-association) 4 min read #### [What is a Homeowners Association?](https://blog.capcenter.com/learning-center/what-is-a-homeowners-association) ![Picture of Dick Jeffress](https://blog.capcenter.com/hs-fs/hubfs/dick.png?width=30&name=dick.png) [Dick Jeffress](https://blog.capcenter.com/learning-center/author/dick-jeffress): Apr 12, 2023 3:30:34 PM [Mortgages](https://blog.capcenter.com/learning-center/tag/mortgages) [First-Time Homebuyer](https://blog.capcenter.com/learning-center/tag/first-time-homebuyer) [Home-Ownership](https://blog.capcenter.com/learning-center/tag/home-ownership) [Realty](https://blog.capcenter.com/learning-center/tag/realty) [Read More](https://blog.capcenter.com/learning-center/what-is-a-homeowners-association) [![looking down row of townhomes](https://blog.capcenter.com/hs-fs/hubfs/condo%20vs%20townhouse.jpg?width=2160&height=1202&name=condo%20vs%20townhouse.jpg)](https://blog.capcenter.com/learning-center/condo-vs-townhouse) 5 min read #### [Condo vs. Townhouse](https://blog.capcenter.com/learning-center/condo-vs-townhouse) ![Picture of Dick Jeffress](https://blog.capcenter.com/hs-fs/hubfs/dick.png?width=30&name=dick.png) [Dick Jeffress](https://blog.capcenter.com/learning-center/author/dick-jeffress): Apr 12, 2023 3:18:50 PM [Mortgages](https://blog.capcenter.com/learning-center/tag/mortgages) [First-Time Homebuyer](https://blog.capcenter.com/learning-center/tag/first-time-homebuyer) [Home-Ownership](https://blog.capcenter.com/learning-center/tag/home-ownership) [Realty](https://blog.capcenter.com/learning-center/tag/realty) [Read More](https://blog.capcenter.com/learning-center/condo-vs-townhouse) [![Brother and sister running into new home having the door opened by a realtor](https://blog.capcenter.com/hs-fs/hubfs/realtaspect.png?width=1748&height=915&name=realtaspect.png)](https://blog.capcenter.com/learning-center/do-i-need-a-realtor) 4 min read #### [Do I Need a REALTOR®?](https://blog.capcenter.com/learning-center/do-i-need-a-realtor) ![Picture of Erik Bleecher](https://blog.capcenter.com/hs-fs/hubfs/Erik%20Bleecher%20Photo.jpg?width=30&name=Erik%20Bleecher%20Photo.jpg) [Erik Bleecher](https://blog.capcenter.com/learning-center/author/erik-bleecher): Apr 12, 2023 2:54:02 PM [First-Time Homebuyer](https://blog.capcenter.com/learning-center/tag/first-time-homebuyer) [How To Shop](https://blog.capcenter.com/learning-center/tag/how-to-shop) [Home-Ownership](https://blog.capcenter.com/learning-center/tag/home-ownership) [Realty](https://blog.capcenter.com/learning-center/tag/realty) [Read More](https://blog.capcenter.com/learning-center/do-i-need-a-realtor) [![Woman using level to mark location of shelf on wall](https://blog.capcenter.com/hs-fs/hubfs/Imported%20sitepage%20images/63e56a67ab4446b6cab3853a_Best%20ROI%20Home%20Improvement.jpg?width=2160&height=1088&name=63e56a67ab4446b6cab3853a_Best%20ROI%20Home%20Improvement.jpg)](https://blog.capcenter.com/learning-center/best-roi-home-upgrades) 7 min read #### [Best ROI Home Upgrades](https://blog.capcenter.com/learning-center/best-roi-home-upgrades) ![Picture of Dick Jeffress](https://blog.capcenter.com/hs-fs/hubfs/dick.png?width=30&name=dick.png) [Dick Jeffress](https://blog.capcenter.com/learning-center/author/dick-jeffress): Apr 12, 2023 12:57:21 PM [Mortgages](https://blog.capcenter.com/learning-center/tag/mortgages) [Cash-Out Refinance](https://blog.capcenter.com/learning-center/tag/cash-out-refinance) [First-Time Homebuyer](https://blog.capcenter.com/learning-center/tag/first-time-homebuyer) [Home Equity](https://blog.capcenter.com/learning-center/tag/home-equity) [Read More](https://blog.capcenter.com/learning-center/best-roi-home-upgrades) [![Happy family running into a home purchased with a conventional mortgage](https://blog.capcenter.com/hs-fs/hubfs/Imported%20sitepage%20images/63b6f6e2fb6825d9e088e9e9_Conventional%20Mortgage%20Types-p-500.jpg?width=500&height=334&name=63b6f6e2fb6825d9e088e9e9_Conventional%20Mortgage%20Types-p-500.jpg)](https://blog.capcenter.com/learning-center/conventional-mortgage-programs) 5 min read #### [Conventional Mortgage Programs](https://blog.capcenter.com/learning-center/conventional-mortgage-programs) ![Picture of Dick Jeffress](https://blog.capcenter.com/hs-fs/hubfs/dick.png?width=30&name=dick.png) [Dick Jeffress](https://blog.capcenter.com/learning-center/author/dick-jeffress): Apr 12, 2023 11:17:26 AM [Mortgages](https://blog.capcenter.com/learning-center/tag/mortgages) [First-Time Homebuyer](https://blog.capcenter.com/learning-center/tag/first-time-homebuyer) [Credit Score](https://blog.capcenter.com/learning-center/tag/credit-score) [Read More](https://blog.capcenter.com/learning-center/conventional-mortgage-programs) [![Happy couple drinking coffee talking about VA loan programs for buying their dream home](https://blog.capcenter.com/hs-fs/hubfs/Imported%20sitepage%20images/63bc33e79cd5cd17d4e90e0c_FHA%20and%20VA%20Loans-p-800-1.jpg?width=800&height=512&name=63bc33e79cd5cd17d4e90e0c_FHA%20and%20VA%20Loans-p-800-1.jpg)](https://blog.capcenter.com/learning-center/va-loan-programs) 3 min read #### [VA Loan Programs](https://blog.capcenter.com/learning-center/va-loan-programs) ![Picture of Dick Jeffress](https://blog.capcenter.com/hs-fs/hubfs/dick.png?width=30&name=dick.png) [Dick Jeffress](https://blog.capcenter.com/learning-center/author/dick-jeffress): Apr 12, 2023 9:57:28 AM [Mortgages](https://blog.capcenter.com/learning-center/tag/mortgages) [First-Time Homebuyer](https://blog.capcenter.com/learning-center/tag/first-time-homebuyer) [Credit Score](https://blog.capcenter.com/learning-center/tag/credit-score) [Read More](https://blog.capcenter.com/learning-center/va-loan-programs) [![Happy couple drinking coffee talking about fha loan programs for buying their dream home](https://blog.capcenter.com/hs-fs/hubfs/Imported%20sitepage%20images/63bc33e79cd5cd17d4e90e0c_FHA%20and%20VA%20Loans-p-800-1.jpg?width=800&height=512&name=63bc33e79cd5cd17d4e90e0c_FHA%20and%20VA%20Loans-p-800-1.jpg)](https://blog.capcenter.com/learning-center/fha-loan-programs) 2 min read #### [FHA Loan Programs](https://blog.capcenter.com/learning-center/fha-loan-programs) ![Picture of Dick Jeffress](https://blog.capcenter.com/hs-fs/hubfs/dick.png?width=30&name=dick.png) [Dick Jeffress](https://blog.capcenter.com/learning-center/author/dick-jeffress): Apr 12, 2023 9:48:20 AM [Mortgages](https://blog.capcenter.com/learning-center/tag/mortgages) [First-Time Homebuyer](https://blog.capcenter.com/learning-center/tag/first-time-homebuyer) [Credit Score](https://blog.capcenter.com/learning-center/tag/credit-score) [Read More](https://blog.capcenter.com/learning-center/fha-loan-programs) [![hands sorting through folder of documents](https://blog.capcenter.com/hs-fs/hubfs/shutterstock_1918059161.jpg?width=5892&height=3916&name=shutterstock_1918059161.jpg)](https://blog.capcenter.com/learning-center/documents-needed-for-mortgage-loan) 1 min read #### [Documents you'll need for a mortgage loan](https://blog.capcenter.com/learning-center/documents-needed-for-mortgage-loan) ![Picture of Dick Jeffress](https://blog.capcenter.com/hs-fs/hubfs/dick.png?width=30&name=dick.png) [Dick Jeffress](https://blog.capcenter.com/learning-center/author/dick-jeffress): Apr 10, 2023 4:59:35 PM [Mortgages](https://blog.capcenter.com/learning-center/tag/mortgages) [First-Time Homebuyer](https://blog.capcenter.com/learning-center/tag/first-time-homebuyer) [Credit Score](https://blog.capcenter.com/learning-center/tag/credit-score) [Read More](https://blog.capcenter.com/learning-center/documents-needed-for-mortgage-loan) [![Nice, happy family of four walking and discussing plans to buy a home](https://blog.capcenter.com/hs-fs/hubfs/Imported%20sitepage%20images/63bc33e9061a3bd62ecc4d8e_Fannie%2c%20Freddie%20%26%20AMI-p-1080.jpg?width=1080&height=720&name=63bc33e9061a3bd62ecc4d8e_Fannie%2c%20Freddie%20%26%20AMI-p-1080.jpg)](https://blog.capcenter.com/learning-center/fannie-freddie-and-ami) 1 min read #### [Fannie, Freddie and AMI](https://blog.capcenter.com/learning-center/fannie-freddie-and-ami) [Tyler Todd](https://blog.capcenter.com/learning-center/author/tyler-todd): Mar 30, 2023 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