First-Time Homeownership
01. Understand Your Buying Power
We'll start by reviewing your goals and financing options so you can understand what may fit your budget before you begin seriously shopping for a home.
02. Explore Your Loan Options
With access to 100+ lenders, I can evaluate a wide range of mortgage programs based on your specific situation, including conventional, FHA, VA and other qualifying options.
03. From Preapproval to Closing
Once you're ready to move forward, I'll guide you through the mortgage process—from preapproval and documentation through underwriting and closing.
Buying Your First Home May Be More Possible Than You Think
You May Not Need 20% Down
One of the biggest misconceptions about buying a home is that you need a 20% down payment. Depending on the loan program and your qualifications, lower down-payment options may be available. I'll help you understand the choices and the tradeoffs so you can decide what makes sense for you.
Your Credit Doesn't Have to Be Perfect
Mortgage programs have different credit requirements, and a less-than-perfect credit history doesn't automatically mean homeownership is out of reach. We can review where you stand, identify potential options, and determine whether there are steps worth taking before you buy.
Know the Full Cost Before You Shop
Your monthly housing expense can include more than principal and interest. Property taxes, homeowners insurance, mortgage insurance, HOA dues, and other costs can affect your total payment. We'll look at the complete picture so you can shop within a range you're comfortable with.
Preapproval Gives You a Starting Point
A preapproval can help you understand your potential buying power before you start seriously looking at homes. It also gives you an opportunity to address financing questions early instead of discovering them after you've found a property you love.