Your First Home is Closer Than You Think
Stop paying someone else’s mortgage. I’ll show you how to become a homeowner with less money down and lower monthly payments than you might expect. Let’s make your homeownership dreams a reality.
Quick Reality Check
0-3%
Down Payment
580+
Credit Score
30-45
Days to Close
$0
My Fee to You
First-Time Buyer Loan Programs
Multiple loan options designed specifically for first-time home buyers. I’ll help you choose the best program for your situation.
FHA Loans
Government-backed loans with flexible credit requirements and low down payments.
- Low down payment requirement
- Flexible credit score requirements
- Gift funds allowed for down payment
- Assumable loans
VA Loans
Exclusive benefits for military service members, veterans, and eligible spouses.
- No down payment required
- No private mortgage insurance
- Competitive interest rates
- No prepayment penalties
USDA Rural Loans
Zero down payment loans for eligible rural and suburban areas.
- No down payment required
- Below-market interest rates
- No cash reserves required
- Flexible credit guidelines
Traditional loans with competitive rates and flexible terms.
- Low down payment options
- PMI can be removed
- No upfront mortgage insurance
- Flexible property types
Your First-Time Buyer Journey
Here’s exactly how I’ll guide you from dreaming about homeownership to holding your keys.
Free First-Time Buyer Consultation
We’ll discuss your goals, timeline, and what homeownership means to you.
- Review your current financial situation
- Discuss your homeownership goals and timeline
- Explain all available first-time buyer programs
- Calculate what you can afford comfortably
- Create a personalized action plan
Pre-Approval & Budget Planning
Get pre-approved and understand exactly what you can afford.
- Submit application to multiple lenders
- Compare rates and programs
- Receive official pre-approval letter
- Understand total monthly costs (PITI + HOA)
- Plan for closing costs and moving expenses
Home Shopping Education
Learn what to look for and how to make competitive offers.
- Connect with trusted real estate agents
- Learn about different neighborhoods
- Understand home inspection basics
- Practice making offers and negotiations
- Stay within your comfortable budget
Under Contract Support
I’ll guide you through inspections, appraisals, and final approval.
- Coordinate with all parties involved
- Explain each step as it happens
- Handle any issues that arise
- Prepare you for closing day
- Ensure everything goes smoothly
Let's Bust Some Common Myths
Don’t let these misconceptions keep you from homeownership. Here’s the real truth about buying your first home.
Myth: "I need 20% down to buy a home"
Reality:
Many programs require as little as 0-3% down. I’ll help you find the right option for your situation.
Myth: "My credit isn't good enough"
Reality:
There are loan programs for various credit situations. Let’s see what options are available to you.
Myth: "I can't afford the monthly payments"
Reality:
You might be surprised! Often, mortgage payments are similar to or less than rent payments.
Myth: "The process is too complicated"
Reality:
I break everything down into simple steps and handle the complex parts for you.
Myth: "I need perfect finances"
Reality:
Lenders understand that first-time buyers are building their financial foundation. There’s flexibility.
Myth: "It takes forever to get approved"
Reality:
With proper preparation, most first-time buyers get approved within days, not weeks.
Why First-Time Buyers Choose Me
I understand that buying your first home can feel overwhelming. That’s why I specialize in making the process simple, educational, and stress-free.
Dedicated First-Time Buyer Guidance
I specialize in helping first-time buyers navigate the entire process with confidence.
Access to Special Programs
I know all the first-time buyer programs and grants available in Texas.
Education Every Step of the Way
I’ll teach you everything you need to know about homeownership and mortgages.
No Pressure, Just Support
Take your time to make the right decision. I’m here to support, not pressure you.
What Clients Are Saying
Real Stories. Real Results. People trust me because I listen, explain things clearly, and make the process smooth.
First-Time Buyer Questions Answered
Get answers to the most common questions first-time home buyers ask.
How much money do I need to buy my first home?
It depends on the loan program, but you might need as little as 0-3% down. Plus closing costs (which can sometimes be covered by the seller or through assistance programs). I’ll help you calculate the exact amount based on your situation.
What credit score do I need as a first-time buyer?
Credit score requirements vary by program. FHA loans can go as low as 580, VA loans typically require a minimum of 500, and conventional loans usually start at 620. Even if your score isn’t perfect, there are options available.
Can I use gift money for my down payment?
Yes! Most loan programs allow gift funds from family members for down payments and closing costs. I’ll help you understand the documentation requirements.
What's the difference between pre-qualification and pre-approval?
Pre-qualification is an estimate based on basic information. Pre-approval involves verifying your finances and gives you a firm commitment letter that strengthens your offers.
How long does the first-time buyer process take?
From application to closing typically takes 30-45 days. However, I recommend starting the conversation 3-6 months before you want to buy to ensure you’re fully prepared.
What if I find problems during the home inspection?
Home inspections often reveal minor issues. I’ll help you understand what’s normal, what’s concerning, and how to negotiate repairs or credits with the seller.
Are there special programs for first-time buyers in Texas?
Yes! Texas offers several first-time buyer programs including down payment assistance, reduced interest rates, and tax credits. I’ll help you identify which programs you qualify for.
What happens if my loan gets denied?
This rarely happens with proper preparation, but if it does, I have relationships with multiple lenders and can often find alternative solutions quickly. We’ll work together to address any issues.
Ready to Become a First-Time Homeowner?
Stop wondering “what if” and start your homeownership journey today. I’ll show you exactly what’s possible with your current situation – you might be surprised!
