text: 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.