Buying your first home
doesn't have to feel overwhelming.
We'll guide you through every step—from understanding your options to getting the keys to your first home.
The First-Time Buyer's Journey.
Five clear steps. No mystery. Tap any step to expand.
Which first-time buyer are you?
I'm saving for my down payment
Explore CalHFA, MyHome, and other assistance programs—plus simple strategies to accelerate your savings.
I'm worried about my credit
We'll review where you stand, outline a clear improvement plan, and identify programs that fit your situation.
I don't know where to start
Begin with our buyer roadmap—an honest overview of what to expect, in plain language.
I'm self-employed
Bank statement loans and alternative documentation can help business owners qualify based on actual cash flow.
I think I'm ready to buy
Get pre-approved in as little as 24–72 hours and step into the market with confidence.
Designed for first-time buyers.
Five core programs cover most first-time California buyers. We'll match you with the one that fits.
Conventional Loans
- —As little as 3% down
- —Removable mortgage insurance
- —Flexible long-term option
FHA Loans
- —3.5% down minimum
- —Accessible qualification standards
- —Popular among first-time buyers
VA Loans
- —Zero down payment
- —No mortgage insurance
- —Competitive interest rates
USDA Loans
- —Zero-down opportunity
- —Below-market rates
- —Designed for moderate incomes
CalHFA Programs
- —Down payment assistance
- —Closing cost help
- —Layered with FHA or Conventional
You may need less than you think.
Many buyers assume they need 20% down. In reality, several California programs may help eligible buyers purchase sooner—sometimes with little to nothing out of pocket.
CalHFA Conventional / FHA
California Housing Finance Agency first-mortgage programs designed for first-time buyers statewide.
MyHome Assistance
A deferred-payment junior loan that may cover up to a percentage of the purchase price for down payment or closing costs.
Dream For All (when available)
Shared-appreciation program offering significant down payment support to eligible first-generation buyers.
Local City & County Programs
Many California cities and counties offer their own grants or silent second loans—we'll check what's available in your area.
FHA Minimum Down Examples
FHA financing allows 3.5% down—on a $500,000 home, that's roughly $17,500 before assistance is applied.
Programs subject to availability, qualification, and guidelines. Eligibility varies by program, income, and location.
See what's possible.
Estimate your monthly payment, explore down payment scenarios, and plan with confidence.
- Principal & interest
- $3,303
- Property tax (est.)
- $573
- Insurance (est.)
- $160
- Loan amount
- $522,500
- Closing costs (est.)
- $13,750
Estimates for planning only. Actual payment depends on credit, program, taxes, insurance, HOA, and mortgage insurance. Not a commitment to lend.
Questions first-time buyers ask.
Learn before you buy.
Workshops, webinars, and bilingual presentations throughout California.
A calmer way to buy your first home.
Education First
We explain the process without pressure—so every decision is yours, informed and unhurried.
Guidance at Every Step
From first conversation to final signature, you'll always know what's next and why it matters.
Rooted in Community
Serving families throughout California with bilingual care, clarity, and respect for your time.
Ready to take the first step?
Whether you're six months away or ready to make an offer today, we're here to help you move forward with confidence.
Efren Sanchez · NMLS #2231576 · Company NMLS #1743443. Programs subject to qualification and guidelines. Equal Housing Opportunity.