First-Time Buyer
Buying your first home shouldn't feel like a test.
Plain-English guidance, low down-payment programs, and a broker who answers her phone.
Programs built for first-time buyers
- FHA loans with 3.5% down and flexible credit
- Conventional 97 with just 3% down
- Down payment assistance programs (IL & AZ)
- VA loans with $0 down for eligible veterans
- USDA loans with 100% financing in rural areas
- Credit-building guidance to qualify for better terms
From hello to keys in 5 steps
01
Free consultation
We talk through your goals, budget, and timeline — no pressure, no obligation.
02
Pre-approval
Get a real pre-approval letter in 24–48 hours so you can shop with confidence.
03
House hunting
Make offers backed by a verified pre-approval. We're on call when sellers have questions.
04
Loan locked & processed
We shop lenders for the best rate and structure for your situation.
05
Closing day
Sign, get your keys, and celebrate. Average close: 21 days.