Home Financing

Get Set Before You Search


Buying a home is exciting, but before you start picking out dream homes, let’s talk about financing. There are tons of loan programs out there—FHA, VA, conventional, down payment assistance—you name it! The key is knowing which one fits your situation best. That’s why getting with a lender before you start house hunting is a game-changer. It helps you understand your budget, strengthens your offer, and saves you from falling in love with a home that’s out of reach. Now, while I’m not listing specific lenders here, I’ve got connections! As a real estate professional and member of NAREB (National Association of Real Estate Brokers, I have access to exclusive programs that can open more doors for you—literally. Whether you’re a first-time buyer, self-employed, or looking for creative financing solutions, I can connect you with the right professionals who have options tailored to your needs.

Ready to get started? Let’s chat! I’ll help you navigate the process and connect you with the right resources to make your homeownership dreams a reality. Reach out today!

FHA Loan


An FHA loan is a government-backed mortgage designed for buyers who need a lower down payment and flexible credit requirements. With as little as 3.5% down, FHA loans make homeownership more accessible, especially for first-time buyers. These loans are insured by the Federal Housing Administration, meaning lenders are more willing to approve buyers with less-than-perfect credit or limited savings. However, FHA loans do require mortgage insurance, which adds to your monthly payment.

Conventional Loan


A conventional loan is not backed by the government, making it ideal for buyers with strong credit and a solid financial history. These loans typically require 5% to 20% down, though some programs allow for as little as 3%. One of the biggest perks? If you put 20% down or more, you can skip private mortgage insurance (PMI), saving you money in the long run. Conventional loans also offer more flexibility when it comes to property types, making them a great choice for buyers looking for long-term stability.

203(k) Loan



A 203(k) loan is an FHA-backed renovation loan that helps buyers finance both the purchase price of a home and the cost of necessary repairs or upgrades—all in one loan. It’s perfect for buyers who find a home with great potential but needs a little (or a lot) of TLC. Whether you’re looking to fix a fixer-upper or make modern updates, a 203(k) loan lets you roll renovation costs into your mortgage, making it easier to fund home improvements without draining your savings.

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