Your first home is closer than you think.
Buying your first home should be exciting — not overwhelming. I'll walk you through every step with clear answers and no pressure.
Get Pre-ApprovedHow much can I afford?
Before you start shopping, get a real number. A pre-approval tells you exactly what you qualify for — so you can search with confidence and make competitive offers.
Try the Mortgage CalculatorDown payment myths vs. reality
- Myth: You need 20% down. Reality: Many programs start at 0–3.5%.
- Myth: Perfect credit required. Reality: FHA and other programs are more flexible.
- Myth: No help available. Reality: DPA grants and programs exist in TX & LA.
Your step-by-step roadmap
- 1 Schedule a free consultation and share your goals
- 2 Get pre-approved with a clear budget
- 3 Shop for homes with confidence
- 4 Make an offer and go under contract
- 5 Complete underwriting and appraisal
- 6 Close on your home and get your keys
First-time buyer FAQ
Do I really need 20% down?
No. Many first-time buyers use FHA (3.5% down), conventional (as low as 3%), VA ($0 down), or USDA ($0 down in eligible areas). Down payment assistance may also be available.
What credit score do I need?
Requirements vary by program. FHA is often more flexible than conventional. I can review your situation and recommend the best path forward.
How long does the process take?
From pre-approval to closing, most purchases take 30–45 days. Getting pre-approved early helps you move quickly when you find the right home.
What documents will I need?
Typically: ID, pay stubs or income docs, bank statements, tax returns (if applicable), and employment verification. I'll send you a tailored checklist.
Ready to get started? Let's make your move simple.
Schedule a free consultation or start your application today.