Your first home is closer than you think.

A pre-approval tells you exactly what you can afford, so you shop with confidence and your offers carry weight with sellers. I structure a clean, organized loan file so the process moves smoothly. Pre-approval is not a guarantee of final approval, but it's the strongest first step.

Your credit score and history shape the programs and rates available to you. You don't need a perfect score to buy a home. We can review where you stand and what steps, if any, could strengthen your profile before we apply.

Many people assume they need 20% down. The truth: eligible borrowers can put down far less with many programs. Depending on the program, options include 3% and 3.5% down payments or down payment assistance that may help cover the gap.

Closing costs are the fees paid to finalize your loan, from appraisal to title and lender fees. They're a normal part of buying a home. I help you see the full picture up front, so there are no surprises at the closing table.

Down payment assistance programs may help eligible buyers with their down payment and closing costs. Funding, availability, income limits, property requirements, and eligibility vary, so we explore what may fit your situation.

FHA loans offer down payments as low as 3.5% for eligible borrowers with flexible qualifying guidelines. Conventional loans offer 3% and 5% down payment options. We compare what fits your goals, credit, and budget.

Your monthly payment includes principal and interest, plus property taxes, homeowners insurance, and sometimes mortgage insurance. I help you understand your numbers so you can budget honestly. Try the calculators to see what fits your budget.

The path from first conversation to keys in hand: talk it through, get pre-approved, find your home, move through underwriting, then close and celebrate. I keep every step organized and explain what happens next, in English or in Spanish.