First-time buyers
Own your first home with less down.
Zero-down and low-down loan options, down payment help, and a step-by-step plan from your first call to getting your keys.
The process
How buying works with me
Start with a call
We talk through your goals, timeline and budget. Fifteen minutes, no pressure.
Get pre-approved
I connect you with a trusted local lender so you know your real price range before you shop.
Find the right home
I set up searches, show you homes, and tell you honestly what I see in each one.
Offer, escrow and keys
I write and negotiate your offer, then manage inspections, appraisal and deadlines until you close.
Loan options
Low-down and zero-down options
These are the programs first-time buyers in our area ask about most. Your lender will confirm which ones fit you.
FHA loans
Government-backed loans with flexible credit guidelines. A common choice for first-time buyers.
VA loans
For eligible veterans, service members and some surviving spouses. No down payment and no monthly mortgage insurance.
USDA loans
For homes in eligible rural areas, which include parts of the High Desert. Eligibility depends on the address and your household income.
Conventional loans
Some conventional programs allow 3% down for first-time buyers who qualify.
CalHFA programs
California’s housing finance agency offers programs that can help with your down payment and closing costs.
Local and lender grants
Some cities, counties and lenders offer grants or credits. I’ll point you to the ones that may apply to you.
Loan programs, down payment assistance and grants are subject to lender approval, eligibility and availability. I am not a lender; your lender will confirm what you qualify for.
Questions
Common questions
Do I need 20% down?
No. Many buyers put down much less, and some programs require nothing down. Your lender will show you the options and what each would mean for your monthly payment.
What does it cost to work with a buyer’s agent?
We’ll sign a written buyer agreement before you tour homes that spells out how I’m paid. In many cases the seller covers some or all of it, and I’ll walk you through your options upfront so there are no surprises.
How long does it take?
Escrow usually takes 30 to 45 days once your offer is accepted. Finding the right home can take anywhere from a few weeks to a few months, depending on your budget and the market.
My credit isn’t perfect. Should I still call?
Yes. Some programs allow lower credit scores, and a lender can tell you what to work on if you’re not ready yet. Either way, you’ll leave the call with a clear next step.
En español
Compre su primera casa
Le explico los programas sin enganche y de ayuda para el enganche, le conecto con un prestamista de confianza, y le acompaño desde la primera llamada hasta que reciba sus llaves. Todo en español.
Ready when you are
Ready to see what you qualify for?
Book a free call, or call or text (562) 556-9816.
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