First-Time Buyers

Buying your first home does not have to be overwhelming.

You do not need to have it all figured out. That is what I am here for.

I work with a lot of first-time buyers and the most common thing I hear at the beginning is some version of I do not even know where to start. That is exactly why you call me first. We start with a conversation, no application, no commitment, just a clear picture of where you stand and what is actually possible for you.

Get Pre-Approved Schedule a Call

Your path to homeownership

We talk first

A free 20 minute call to understand your situation, goals, and timeline. No pressure, no forms.

I show you what you qualify for

Based on your income, credit, and savings I will lay out exactly which programs fit and what your numbers look like.

We get your pre-approval in place

Fast pre-approvals that give you a real competitive edge before you start shopping.

You shop with confidence

You will know your exact budget, your monthly payment, and what to expect at closing before you make an offer.

I stay with you to closing

From application to keys in hand I keep you informed at every step. No surprises.

Recommended programs

Loan programs that fit your situation

FHA Loans

Down payments as low as 3.5% and flexible credit requirements. A strong starting point for many first-time buyers.

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USDA Rural

Zero down financing for eligible Eastern WA and North Idaho areas. More places qualify than you think.

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Conventional

Down payments as low as 3% for first-time buyers with solid credit.

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Down Payment Assistance

WA and ID programs that may cover part or all of your down payment. You may qualify and not know it.

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Not sure where to start?

Tell me about your situation and I will point you in the right direction. No pressure, no commitment. Just real answers.

Get Pre-Approved Call (253) 417-8790

Common questions

What buyers like you ask

Do I need 20% down?

No. Many programs start at 0% to 3.5% down. The 20% figure is a myth that stops a lot of buyers from even trying.

What credit score do I need?

It depends on the program. FHA goes down to 580. Some programs go lower. We will find what works for your situation.

How long does the process take?

From pre-approval to closing is typically 30 to 45 days once you have a home under contract.

What is a pre-approval and do I need one?

A pre-approval is a lender review of your income, credit, and assets. Most sellers require one before accepting an offer. It also shows you exactly what you can afford.

What are closing costs?

Typically 2% to 5% of the purchase price. Some programs allow sellers to contribute or these costs can be rolled into the loan.

Can I get help with my down payment?

Yes. Washington and Idaho both have down payment assistance programs. I will check your eligibility as part of our first conversation.