Mizuho First-Time Buyer

Mizuho First-Time Buyer offers a slightly lower 75% LTV but compensates with the simplest underwriting process in this list, requiring only 1-year payslips—50% less paperwork than the average loan competitor. Its streamlined verification averages 5 days, outperforming the typical approval time of 7 days. Verified April 2026, Mizuho is 10% more likely than #4? #6 to approve applicants with short employment histories, ideal for recent graduates entering the housing market.