Homebuyer and Mortgage Answers

Most programs look for a 620 score or higher. FHA goes to 580 with 3.5% down, or as low as 500 with 10% down. Many down payment assistance programs start around 640. The best move is to connect with me and we’ll see what fits your file.

Conventional can be 3 percent down. FHA is 3.5 percent. There are also over 50 down payment assistance programs in California. Maybe one is right for you.

Buyers typically pay about 2 to 3 percent of the price. You can use seller credits, lender credits, or assistance programs to reduce them. Sellers have their own costs too. The Key is to sit with a loan officer and understand your numbers. I'm happy to help!

Start with a real preapproval and a payment-based budget. Then compare programs and tour homes that fit the payment, not just the price. Book a quick intro call and I’ll lay it out. You can also check out one of our Homebuyer Workshops where we go over everything you need to know!

Working with me you get the best of both worlds. Full mortgage banker and broker, so you get pricing options plus strong execution.