Your First Home Is Within Reach

Stop renting. Start building equity. We'll guide you through every step with down payment assistance, education, and the perfect starter home.

Calculate Affordability Start Learning

Down Payment Possible

$15K+

Down Payment Assistance

FREE

Home Buyer Education

128

Starter Homes

💚 No Perfect Credit Required

FHA loans accept credit scores as low as 580 • We'll help you improve your score

First-Time Buyer Advantages

Special programs and benefits designed specifically for first-time home buyers

Down Payment Assistance

Get up to $15,000 towards down payment through federal, state, and local programs. Some are grants, not loans.

We'll find programs you qualify for

Low Down Payment Options

FHA loans require just 3.5% down. Some programs accept as little as 3% down. No more "I need 20%" myth.

$300K home = $10,500 down (3.5%)

Free Home Buyer Education

Required by most assistance programs, we provide it FREE. Learn budgeting, mortgage basics, and home maintenance.

8-hour course, online or in-person

Flexible Credit Requirements

FHA accepts credit scores as low as 580. We'll show you how to improve your score before applying.

Credit repair guidance included

Closing Cost Assistance

Negotiate seller-paid closing costs (up to 6% with FHA). Plus grants available to cover remaining costs.

Save $3,000 - $10,000

Step-by-Step Guidance

Dedicated first-time buyer specialists guide you through every step. No question is too small.

We're with you all the way

How Much Home Can You Afford?

Calculate your buying power based on your income and debts

Annual Gross Income

Before taxes

Monthly Debt Payments

Car, student loans, credit cards

Down Payment Saved

What you have now

Credit Score (Estimate)

Maximum Home Price

$285,000

Monthly Payment

$1,685

Recommended Down

$9,975

Good news! Based on your income of $60K and monthly debts of $400, you could afford a home up to $285,000 with an FHA loan (3.5% down).

Down Payment Help: You have $10K saved. You need $9,975 (3.5%). You're ready to buy! Plus you qualify for additional assistance programs.

Build Equity: Your monthly payment of $1,685 builds equity. After 5 years, you'll own ~$50K of your home vs. $0 if renting.

Your Path to Homeownership

Follow these 10 steps to buy your first home with confidence

Check Your Credit

Week 1

Get your free credit report and understand your score

Save for Down Payment

Ongoing

Start saving and research assistance programs

Take Home Buyer Course

Week 2-3

Complete required education (we provide FREE)

Get Pre-Approved

Week 4

Work with lender to determine exact buying power

Find Your Home

Week 5-8

Search with your dedicated first-time buyer realtor

Make an Offer

Week 8

We help you craft a competitive offer

Home Inspection

Week 9

Professional inspection to avoid surprises

Final Loan Approval

Week 10-11

Lender completes underwriting process

Final Walk-Through

Week 12

Verify everything is as expected

Close & Move In!

Week 12

Sign papers, get keys, celebrate!

📅 Timeline: 12 weeks from start to keys in hand

We guide you through every step with checklists, reminders, and expert support

Ready to Stop Renting?

Join thousands of first-time buyers who've achieved homeownership with our help. Your journey starts today.

Start Your Journey Free Search Starter Homes