Your first home shouldn't feel like a final exam.
I'll tell you exactly what you need, what it'll cost, and what happens next. No jargon, no surprises, and no "we'll get back to you" that turns into two weeks.
Never bought a home? Perfect. That's most of my clients.
Buying your first home comes down to three questions. I'll help you answer all three before you ever fall in love with a listing.
How much can I afford?
Not what a bank says you can borrow, but what payment you're comfortable with. We start there and work backward.
Try the affordability calculator →How much cash do I need?
Down payment, closing costs, and a cushion. Some programs need as little as 3% down, and down payment help may cover part of it.
See down payment help →Which loan fits me?
FHA, conventional, VA, USDA and more. I'll put your options side by side so you can compare.
Compare loan options →Shop with a letter sellers take seriously
In Florida, a strong pre-approval can be the difference between "accepted" and "we went with another offer." I review your income, assets and credit up front, so your letter means something.
- Many buyers can start with a soft credit check, which won't affect your score
- Letter updated to match each offer price, often the same day
- I'll talk to your Realtor so they know you're ready to close
You may need less cash than you think
Down payment assistance programs can help eligible buyers cover part of the down payment and closing costs. Availability, income limits and funding change, so ask me what's open right now.
Florida Hometown Heroes
Help for eligible Florida workers in many professions, including teachers, nurses, first responders and more. Funding is limited and opens in rounds.
Florida Housing programs
State programs for eligible first-time buyers, paired with FHA, VA, USDA or conventional loans.
County and city programs
Many Florida counties offer their own assistance. Rules vary by location and income.
Seller credits and gifts
Sellers can often help with closing costs, and family members can gift funds toward your down payment.
Program availability, eligibility requirements and funding are set by the program administrators and can change at any time. Not all buyers will qualify.
The right loan depends on you, not on what's easiest to sell
FHA
Down payments as low as 3.5% with flexible credit guidelines.
Learn more →Conventional
As little as 3% down for qualified first-time buyers. Mortgage insurance can come off later.
Learn more →VA
For eligible veterans and service members, often with no down payment.
Learn more →USDA
Zero-down options in eligible rural and suburban areas.
Learn more →Self-employed
Qualify with bank statements instead of tax returns.
Learn more →Jumbo
For loan amounts above conforming limits.
Learn more →Application to keys in four steps
You'll hear from me at every step. If you text me at 8pm with a question, don't be surprised when I answer.
- 1. A 15-minute callWe talk about your goals, budget and timeline. No pressure, no credit pull.
- 2. Secure applicationApply online in about 15 minutes and upload your documents.
- 3. Pre-approval & optionsYou get your letter and your loan options side by side. Then go find the house.
- 4. Under contract to closingAppraisal, underwriting and clear to close, in as little as 11 business days on some traditional loans. I keep you and your Realtor updated the whole way.
Find the house. I'll handle the loan.
Search every home for sale in Florida (or anywhere). Results open on Realtor.com or Zillow in a new tab.
“I keep pinching myself that we have our first home, especially because of how quick and smooth the process was overall! … I felt that he really cared about us not just as clients but as people.”
39 client reviews on Experience.com →
Excerpt from a client review on Experience.com, shortened where marked with “…”. Individual results vary. Not all applicants will qualify.