Talk it through
A quick, friendly conversation about your goals, your budget, and your timeline — no commitment.
🏡 First-Time Buyer
Your first home, with someone in your corner.
Buying your first home is a big leap. Mike walks you through it step by step, with low-down-payment options and honest, no-pressure guidance from day one.
The program
What a first-time buyer loan looks like.
If you've never bought a home before, the process can feel like a maze of jargon and paperwork. It doesn't have to be. Because Mike works as a broker, he isn't tied to one bank's menu — he shops dozens of lenders to find the first-time-buyer program that fits your budget, your credit, and your timeline.
That often means a lower down payment than you'd expect, access to down-payment and closing-cost assistance, and someone who explains every number in plain language before you ever sign. No pressure, no surprises — just a clear path to your front door.
- Low down payment programs, some as little as 3% down
- First-time-buyer assistance and grant options where available
- Help understanding credit, budgets, and what you can really afford
- Plain-language, no-pressure guidance through every step
- One point of contact from pre-approval to keys in hand
Simple by design
How the process works.
Three clear steps — and Mike is with you the whole way.
Get pre-approved
Mike shops lenders and gets you a real pre-approval, so you can shop for homes with confidence.
Close with confidence
From offer to closing, Mike handles the details and keeps you informed every step of the way.
Good questions
First-time buyer FAQs.
How much do I really need for a down payment?
Less than most people think. Many first-time-buyer programs start as low as 3% down, and some assistance programs can help cover part of that. Mike will run your specific numbers so you know exactly where you stand.
What credit score do I need to buy my first home?
There's no single magic number. Because Mike shops dozens of lenders, he can often find a fit even with a still-growing credit history — and he'll tell you honestly what, if anything, to improve first.
Is getting pre-approved a commitment?
Not at all. A pre-approval simply shows sellers you're a serious, qualified buyer. There's no obligation, and it costs you nothing to find out where you stand.
Why use a broker instead of going straight to a bank?
A bank can only offer its own loans. As a broker, Mike compares dozens of lenders to find the program that actually fits you — often at a better rate, with someone who answers the phone.
Ready to take the first step toward your first home?
Tell Mike a little about your goals. He'll get back to you fast — usually the same day.