559-799-4487

First-Time Buyers

Your First Home Starts Here

Buying your first home is a big step — we'll walk you through every part of the process so you feel confident and prepared.

The Process

What to Expect, Step by Step

1

Pre-Qualification

Know your budget before you shop

2

Home Search

Work with your real estate agent

3

Offer & Contract

Submit and negotiate your offer

4

Underwriting

We handle the paperwork

5

Closing

Sign and get your keys

Programs for You

The Best Loans for First-Time Buyers

3.5% Down

FHA Loan

Low down payment and flexible credit — one of the most popular first-time buyer programs.

0% Down

USDA Loan

No down payment required for eligible rural and suburban homes.

3.5% Down

Conventional 97

Low down payment conventional option — great credit required.

Down Payment Assistance

You Might Qualify for Help with Your Down Payment

California offers several programs that can help cover down payment and closing costs.

CalHFA

State-backed assistance for California first-time buyers.

MyHome

Deferred-payment junior loan for down payment help.

Forgivable Grants

Some programs offer grants that don't need to be paid back.

Local Programs

Fresno and Clovis-specific assistance options available.

FAQ

Common Questions from First-Time Buyers

How much do I need for a down payment?

You can get into a home with as little as 0% down (USDA, VA) or 3–3.5% down (FHA, Conventional 97). Most first-time buyers put down less than 10%.

What credit score do I need?

FHA loans accept scores as low as 580 with 3.5% down, or 500 with 10% down. Conventional loans typically require 620+. VA loans have no official minimum.

How long does the process take?

Pre-qualification takes 24-48 hours. Once you're under contract, closing typically takes 30-45 days.

What are closing costs?

Closing costs are fees charged at closing — typically 2-5% of the loan amount. These include appraisal, title, escrow, and lender fees.

Do I need to be pre-approved before looking at homes?

Yes — sellers and agents take pre-approved buyers more seriously, and it tells you exactly what price range works for your budget.

Leadership That Sets the Standard

Let’s talk about where you are — and where you want to go.

Mortgages. Real Estate. Finance.