First-Time Home Buyer
Your first home is closer than you think. We work with all credit types and offer 96.5% financing to make homeownership a reality for Southern California buyers.
How It Works
Get Pre-Approved
We review your credit, income, and assets to determine how much you qualify for — before you start shopping.
Find Your Home
Search our MLS listings or work with a real estate agent to find the right home in your budget.
Make an Offer
Your pre-approval letter strengthens your offer and shows sellers you are a serious, qualified buyer.
Close & Move In
We guide you through the closing process step by step so there are no surprises on closing day.
Program Benefits
96.5% Financing
Put as little as 3.5% down on your first home — making homeownership achievable even without a large savings account.
Short Sale Options
We have programs that allow first-time buyers to purchase short sale properties, often at below-market prices.
Bad Credit Welcome
We work with buyers who have less-than-perfect credit. Our programs are designed to help, not disqualify.
Down Payment Assistance
Ask us about California down payment assistance programs that may help cover your upfront costs.
Credit Counseling
If your credit needs work before you qualify, we can point you to resources to get you ready faster.
FHA & VA Approved
We are approved for both FHA and VA loans, giving first-time buyers access to the best government-backed programs available.
Basic Requirements
- Must be purchasing a primary residence
- Minimum credit score of 580 for 3.5% down (FHA)
- Steady income and employment history
- Debt-to-income ratio within program guidelines
- Complete a homebuyer education course (some programs)
- Property must meet minimum condition standards
Frequently Asked Questions
Do I really need 20% down to buy a home?
No — with our first-time buyer programs you can get into a home with as little as 3.5% down through FHA financing. Some programs may allow even less with down payment assistance.
What if I have bad credit?
We work with buyers across the credit spectrum. FHA loans allow credit scores as low as 580. If your score is lower, we can discuss steps to improve it and get you ready to buy.
What is a short sale and can I buy one?
A short sale is when a homeowner sells for less than they owe on the mortgage. These properties are often priced below market value. We have programs specifically designed to help first-time buyers purchase short sales.
How long does it take to buy my first home?
From pre-approval to closing typically takes 30–60 days once you have an accepted offer. Getting pre-approved first is the most important step you can take.
Your First Home Is Within Reach
Call Lori today at 909 224 8307 and let's get you pre-approved.