Buying your first home is exciting—but it can also feel overwhelming. You probably have a million questions: How much do I need upfront? What’s the process like? How much home can I really afford? That’s where I come in.
My job is to take the stress off your plate so you can actually enjoy the experience. I’ll guide you through every step, answer all your questions (even the ones you think are silly), and make sure you feel confident in your decisions. Don’t let uncertainty hold you back from one of the best investments you’ll ever make. Take the first step—call me today!
First-Time Homebuyer
Monthly DITCH THE RENT, BUILD WEALTH
FREE Homebuyer Class
Are you thinking about buying your first home but unsure where to start? You’re not alone! The home buying process can feel overwhelming, but I’m here to help. Once a month, I host a FREE homebuyer class designed just for renters like you. You’ll get expert guidance on:
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The homebuying process—step by step
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How to buy a home with little to no money down (including down payment assistance & seller concessions)
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Market trends & affordability—what’s happening now and what it means for you
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Inspections, buyer protections, and common mistakes to avoid
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Loan options, pre-approval tips, and how to qualify—even with student loans
Why does this matter?
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The average homeowner’s net worth is 40X higher than a renter’s.
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Rent prices keep rising, while homeowners are building equity every month.
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Owning a home helps create long-term financial stability and wealth.
Stop paying your landlord’s mortgage—start investing in your future! I can’t wait to answer all your questions at the next class. Sign up now!
📩 Can’t make it to the scheduled class? No problem! Reach out to request a recorded presentation, or let’s set up a time to chat—I’m happy to answer any questions you have about the process.
WHEN: 3rd Wednesday of Each Month
TIME: 6:00PM - 7:00PM
WHERE: Virtual Class
Title
Any information relating to the ownership of the property will be obtained from the title company in the form of a Title Commitment. It will declare who actually owns the property, deeds, any judgments or liens, etc.
Homeowners Association
If your property is governed by an HOA you will receive all of the Homeowners Association documents. Examples of this are declaration, covenants, rules and regulations, restrictions, and minutes of board meetings. The seller can have this done via the Title Company or on their own.
Inspection
You will have physical inspections of the property completed to make sure the home is in a satisfactory condition. If it is not, you may choose to terminate or object and ask the seller to repair, replace, or correct any of these items.
Appraisal
Your appraisal will be ordered by the lender to ensure the sale price for your property matches the property's value.
Click here for a step by step guide to the home buying process.
Earnest Money
A deposit made to the seller by the buyer to show good faith in purchasing the home. Earnest money is typically submitted to the title company and held jointly in a trust or non-interest bearing escrow account.
A typical earnest money deposit is
1% - 3% of the purchase price. This payment is made in good funds within 1-3 days after mutual execution of the contract.
Mortgage
Two types of mortgages available to homebuyers are fixed rate and adjustable rate mortgages. A fixed-rate mortgage has the same interest rate throughout the term of the loan, while with an adjustable rate mortgage or ARM, the interest rate periodically adjusts based on an index.
Your mortgage will include principal, interest, taxes, and insurance. To be put in touch with a great lender, please contact me.
Closing Costs
Expenses and fees paid at the closing of the real estate transaction. Some closing costs can be negotiated. Make sure you have an expert on your side.
These costs may include loan origination fees, discount points, taxes, recording fees, transfer fees, etc. You will also be expected to bring your down payment to closing. As a first time home buyer you can pay as little as 3% down. To discuss first time home buyer assistance programs, call me.
Who Pays Commission?
Typically the seller will pay the commission of both real estate agents. However, agents dont see a dime until the deal closes. Being a first time home buyer it is crucial that you use an agent when purchasing your home.
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MAKING A WINNING OFFER
With access to curated, neighborhood-specific data, your agent will have a clear understanding of the market, provide a smart offer strategy and personally help you achieve your home-buying goals.
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CONTRACT NEGOTIATIONS
With a legal background, I am a trained negotiator. I am also backed by a team that magages all the details and paperwork. So, I will be 100% focused on your best interests and securing the best possible deal.
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HOME APPRAISAL
Lenders require a professional to gauge the true value of a home. In the event the appraisal comes in below your offer, I will explore every available option to keep the deal moving forward.
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HOME INSPECTION
Before you sign on the dotted line, an inspection typically take place. I will act as your advocate and guide you through the process, even renegotiate if any significant issues are found.
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CLOSING & POSSESSION
Backed by PorchLight, I will handle all details and deadlines to ensure an on-time closing. Simply be there to sign the paperwork and get the keys to your new home.