Your First Home Starts Here

Expert guidance through every step of buying your first home in Southern California

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Your Challenges

We Understand Your Challenges

Every borrower's situation is unique. Here's how we help you overcome common obstacles.

Saving enough for a down payment while paying rent in a high-cost market

Understanding the mortgage process, terminology, and what to expect at each step

Qualifying for a mortgage with limited credit history or a lower credit score

Competing with experienced buyers and investors in a competitive housing market

Your Options

Loan Programs for You

Based on your borrower profile, these programs may be a great fit.

FHA Home Loans

Government-backed loans insured by the Federal Housing Administration. Designed for first-time homebuyers and those with lower credit scores or smaller down payments.

Min. Credit Score: 580

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CalHFA Down Payment Assistance

California Housing Finance Agency programs that provide down payment and closing cost assistance to first-time homebuyers. Includes the MyHome Assistance Program and Zero Interest Program (ZIP).

Min. Credit Score: 640

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Conventional Mortgages

A traditional mortgage not insured by the federal government. Ideal for borrowers with strong credit and stable income who want competitive rates and flexible terms.

Min. Credit Score: 620

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Fixed-Rate Mortgages

Lock in a consistent interest rate and monthly payment for the entire life of your loan. Available in 15 or 30-year terms, providing long-term payment stability.

Min. Credit Score: 620

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Eligibility

Do You Qualify?

Review these common eligibility criteria to see if you may be a good fit.

  • Have not owned a home in the past 3 years (for most first-time buyer programs)
  • Minimum credit score of 580 for FHA or 620 for conventional loans
  • Stable employment history (typically 2 years in the same field)
  • Debt-to-income ratio generally below 45-50%
  • Completion of homebuyer education course (required for CalHFA programs)

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FAQ

Frequently Asked Questions

With an FHA loan, you can put as little as 3.5% down. Conventional loans start at 3% down for first-time buyers. CalHFA programs can cover your entire down payment with assistance loans. For a $500,000 home, that means you could get in for as little as $15,000-$17,500 before closing costs.
FHA loans accept credit scores as low as 580 with 3.5% down (or 500 with 10% down). Conventional loans typically require 620+. If your score needs improvement, we can advise you on rapid credit score strategies that may boost your score in 30-90 days.
Pre-qualification is a quick estimate of what you might qualify for based on self-reported information. Pre-approval involves a full credit check and document review, resulting in a letter that shows sellers you are a serious, qualified buyer. In competitive markets, pre-approval is essential.
Yes. California offers several programs including CalHFA MyHome (up to 3.5% of purchase price) and ZIP (up to 3% zero-interest loan). Many cities also offer local assistance. These programs can be combined with FHA or conventional first mortgages.
A general guideline is that your total monthly housing costs should not exceed 28-33% of your gross monthly income. We factor in your debts, down payment, interest rates, property taxes, and insurance to give you a precise number during pre-qualification.
Closing costs typically range from 2-5% of the purchase price and include appraisal fees, title insurance, escrow fees, and lender fees. On a $500,000 home, expect $10,000-$25,000 in closing costs. Some of these can be negotiated with the seller or covered by lender credits.

Ready to Get Started?

Take the first step toward your mortgage goals. Our team is here to guide you.

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(714) 399-6361

Reviewed by Joann Ton, Loan Officer (NMLS# 1461031) | Last updated: June 2026