Your First Home Starts Here
Helping families take the first step toward homeownership with confidence and support
Streamline
How We Make Your First Home Possible
1
Understand Your Goals
Personalized consultation to see what matters most
2
Explore Your Options
Customized mortgage solutions for your needs
3
Pre-Approval Made Easy
Fast and clear pre-approval process
4
Close With Confidence
Support every step from paperwork to keys
Affordability Calculator
Check out our affordability calculator to see how much home you can afford.
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Very affordable
$218,000
Recommended home price
$489,000
Upper limit
$759,000
Closing costs
$29,207
Loan Amount
$29,207
Monthly PI
$29,207
Total Interest Percent
$29,207
Ready to Take the First Step?
We take the time to guide you through every step of buying your first home.
What You Really Need to Buy Your First Home
Most first-time buyers think they need perfect credit or 20% down. Not true.
Here’s what we look at:
Credit Score
FHA starts around 580+
Conventional often starts 620–640+
Better credit = lower payment, lower mortgage insurance
We help you understand where you stand (soft check available)
Down Payment
Minimum 3%–3.5% down
Down Payment Assistance available
Gift funds allowed
You do not need 20% down to buy a home
Closing Costs
Typically 2%–3% of the purchase price
Can be covered by
Seller credits
Lender credits
Income & DTI
We look at your debt-to-income ratio
Goal is usually 45% or lower
Student loans, car loans, and credit cards matter
We help you strategize before running numbers
Required Documents
30 days of paystubs
2 years of W2s or tax returns
2 months of bank statements
ID + proof of residency
Self-employed: P&L + business bank statements
We’ll tell you exactly what’s needed so nothing is a surprise.
