Guiding You The Right Way
Your First Home Starts Here
Buying your first home is a big step. We'll walk you through every detail with clear guidance and honest advice.
First-Time Buyers Face Unique Challenges
You're expected to understand down payments, PMI, debt-to-income ratios, and closing costs—before you even know which loan to choose.
Meanwhile, you're competing with experienced buyers who've done this before.
It's not fair. And you deserve a guide who remembers what it's like to buy for the first time.
We're here to help.
How We Guide First-Time Buyers
A clear timeline from start to finish.
Loan Programs Designed for You
Not sure? We'll help you choose.
Common First-Time Buyer Mistakes
What to Avoid as a First-Time Buyer
Not Getting Pre-Approved First
Without pre-approval, you're wasting time looking at homes you can't afford—or missing out on homes you can.
Draining Your Savings for the Down Payment
You'll need cash reserves for closing costs, moving expenses, and home repairs. Don't leave yourself broke.
Ignoring Your Credit Score
A difference of 50 points can cost you thousands over the life of your loan. Check your credit early.
Skipping the Home Inspection
Never waive the inspection to compete with other buyers. Hidden problems cost more than you'll save.
Shopping at the Top of Your Budget
Just because you're approved for $400K doesn't mean you should spend it all. Leave room for life.
Your Questions, Answered
It depends on the loan type, but you'll need funds for your down payment (3-20%), closing costs (2-5%), and reserves for moving/repairs. We recommend at least 5-10% of the home price saved total.
Yes! Lenders look at your debt-to-income ratio. As long as your total monthly debts (including the new mortgage) are below 43-50% of your income, student loans won't disqualify you.
PMI (Private Mortgage Insurance) is required on conventional loans with less than 20% down. You can avoid it with a VA loan, USDA loan, or by putting 20% down.
From pre-approval to closing, expect 45-60 days on average. Pre-approval takes 1-3 days. House hunting varies widely. Closing typically takes 30-45 days after your offer is accepted.
Yes. Buyer's agents are typically paid by the seller, so their services are free to you. They'll help you navigate offers, negotiations, and paperwork.
You don't need 20% down. FHA loans require just 3.5%, conventional loans as low as 3%, and VA/USDA loans offer 0% down for eligible borrowers.
Ready to Become a Homeowner?
You don't have to figure this out alone. Get pre-approved today and we'll guide you through every step.