First time homebuyers
Buying Your First Home? Start With a Plan.
Maybe your rent keeps going up. Maybe your family needs more space. Maybe you're simply tired of renting and wondering whether buying could actually be possible. Don't assume you're not ready before having the conversation.
What We'll Cover Together
How much home you may be able to afford
We look at income, monthly debts, down payment, and the program you may use — not just a rule of thumb.
Down payment options
Requirements vary by program, and the number many buyers assume is often not the number they need.
Credit considerations
Score matters, but it's one part of the review. If it's not where you want it, we'll talk about what to work on.
Pre-approval
What it is, what it isn't, and why it helps you shop with a clearer budget before you tour homes.
Closing costs
The fees tied to originating and closing your loan, plus prepaid items like taxes and insurance.
Monthly payment planning
Principal, interest, taxes, insurance, HOA dues, and mortgage insurance where it applies.
Understanding loan programs
Conventional, FHA, VA, USDA, and first-time buyer programs each follow their own guidelines.
Start with an estimate
See What Buying Could Look Like.
Compare renting with owning, or estimate a payment. These are estimates only — a conversation is where the real numbers come from.
Est. Monthly Cost to Own
$2,091
Current Monthly Rent
$1,650
Rent Paid Over 7 Years
$151,074
Spent on Owning (7 yrs)
$195,611
Estimated Home Value in 7 Years
$350,514
A simplified comparison using estimated taxes, insurance, and maintenance. It does not account for closing costs, selling costs, tax treatment, or market changes. Real results vary.
See What Buying Could Look LikeYou don't have to understand mortgages before talking to me.
That's my job.