text: is it easier for a person never having a home to get approved for a first morgage?   it is not necessarily hard to get a mortgage if this is your first home.  you just need a mortgage broker who knows what they are doing.  there are a number of programs available (i am a loan officer).  depending on your credit/income scenario, and how long you plan to keep the home, a loan package can be put together to fit your situation.  if you have any questions feel free to send me a message, i'll be glad to answer them for you.