9 minute read. There are a lot of potential first-time home buyers that delay getting a mortgage simply because it seems like a long and daunting process. There are new mortgage programs available in 2018 that make it easier for first-time home buyers to qualify for a loan then ever before.New Home Loan Programs New Home Buyer Mortgage Calculator Links to external websites are being provided as a convenience and for informational purposes only; they do not constitute an endorsement or an approval by the west virginia housing Development Fund of any of the products, services or opinions of the corporation or organization or individual.like paying off debt or financing a home improvement project. The good news is you can tap into your home equity by taking a home equity loan or opening up a home equity line of credit (HELOC). The.