First-Time Homebuyer

A step-by-step path to your first set of keys, including down payment assistance options.

Who it's for

Buyers who have not owned a home in the last three years (the usual first-time definition)
People who want a guide for every document and deadline
Households exploring down payment assistance
Anyone who feels overwhelmed by the process

We go in order: numbers first, then shopping, then closing, so you always know the next step.

I'll check assistance and grant options that may work in your state and situation.

No jargon dumps. If a number matters, I'll explain why.

What counts as a first-time buyer?

Most programs treat you as a first-time buyer if you have not owned a home in the last three years. We'll confirm your fit.

Can I get help with the down payment?

Maybe. Assistance depends on location, income and the loan type. I'll look at what may apply before you write an offer.

Do I need a Realtor first?

Get pre-approved first when you can. Then you shop with a real number. If you need an agent intro, I can point you to partners.

How long does a first purchase take?

Most purchases close in about 30 to 45 days from an accepted contract. Getting documents in early is the biggest time-saver.

Buy with as little as 3.5% down and flexible credit guidelines.

Competitive rates and as little as 3% down for qualified buyers.