Buying Your
First Home
First-time buyers can qualify for many loan types — not just one. I'll help you find the loan that fits your situation, your credit, and your budget.
NMLS# 1993619 · Equal Housing Lender · This is not a commitment to lend.
Any Loan Type Can Be a First-Time Buyer Loan
A common misconception is that first-time buyers are limited to FHA loans. That's not true. First-time buyers can qualify for FHA, Conventional, VA, and other programs depending on their credit, income, and military service. The right loan for you depends on your situation — and that's exactly what I help you figure out.
Which Loan Is Right for You?
Here are the most common loan types first-time buyers use in Florida and Texas.
FHA Loans
Most flexible credit requirements
Conventional Loans
Best for strong credit profiles
VA Loans
Best benefit for eligible veterans
How Buying Your First Home Works
From application to keys in hand — here's what to expect.
Check Your Credit & Finances
Before anything else, know your credit score and monthly budget. Most loan programs start at 580+ credit (FHA) or 620+ (Conventional). Don't know your score? I'll help you pull it for free.
Get Pre-Approved
A pre-approval letter shows sellers you're a serious buyer. I can usually turn this around in 24–48 hours — and often the same day. This tells you exactly what you can afford before you start shopping.
Choose the Right Loan
There is no single "first-time buyer loan." The best loan depends on your credit score, income, military status, and how much you have saved. We'll review all your options together.
Find Your Home & Make an Offer
With pre-approval in hand, work with your real estate agent to find a home. When you make an offer, your pre-approval letter shows the seller you mean business.
Loan Processing & Closing
Once your offer is accepted, I handle the lender side — ordering the appraisal, working with underwriting, and keeping you informed every step of the way. We typically close in 21–30 days.
Myths vs. Reality
Don't let these common myths stop you from exploring homeownership.
"I need 20% down to buy a home."
Not even close. FHA requires 3.5%, Conventional can be as low as 3%, and VA is 0% down for eligible veterans.
"My credit isn't good enough."
FHA accepts scores as low as 580. Even if you're below that, NON-QM programs may still have options. Let's talk before you assume no.
"I can't afford closing costs."
Sellers can contribute to your closing costs, and Florida has down payment assistance programs that can help cover them. There are real options.
"I have to use my bank's mortgage."
You're free to use any lender you want. As a broker, I shop 25+ wholesale lenders to find you a better rate than most banks can offer.
Ready to Take the First Step?
Let's find out which loan is the best fit for your situation. A free, no-pressure consultation — I'll answer every question you have.
NMLS# 1993619 · Equal Housing Lender · This is not a commitment to lend.