Who it is for
- You have not owned a home, or it has been long enough that the process feels new.
- You want a price range before you fall in love with a listing.
- You have heard about FHA, conventional, VA, or USDA loans and want them in plain English.
How it usually works
- We talk through cash, monthly comfort, and credit before we name a product.
- You get a short list of documents, not the entire encyclopedia.
- If a city, county, or state assistance program might apply, ask. We will only point you to programs we actually work with.
Read this before you get attached
- The payment you qualify for and the payment you want can be different. Spend the smaller one.
- A low down payment is not free. It often means mortgage insurance or a funding fee.
Questions worth asking
- What would make my payment change after the first year?
- Can gift money be used, and what letter does the lender want?
- What should I not do with my credit while we are in process?
City and state down-payment assistance is not listed on this page. Ask whether any program we actually work with fits your purchase.