First-Time Home Buyers
Buying your first home is a big decision with a lot of moving parts. I break it down into clear steps, find loan programs designed for first-time buyers, and guide you from pre-approval to closing.
Low Down Payment Options
You do not need 20% down to buy a home. Conventional loans start at 3% down. FHA loans require 3.5%. VA loans offer 0% down for eligible veterans and service members. Some state and county programs offer down payment assistance grants. I'll identify every option available to you.
The Pre-Approval Process
Getting pre-approved tells sellers you're serious and shows you exactly what you can afford. I'll review your income, assets, credit, and debts, then issue a pre-approval letter you can use when making offers. The process typically takes one business day.
What to Expect
From your first call to closing day, the process usually takes 30–45 days once you find a property. I'll explain every step, every cost, and every decision point along the way. No jargon, no surprises. As a licensed California Realtor, I can also help you find and negotiate the property itself in CA.
Ready to Get Started?
Fill out our quick form or schedule a call to discuss your options.