A complete first-time buyer playbook covering readiness, savings, monthly payment, offers, inspections, and closing.
First-Time Buyers
A complete first-time buyer playbook covering readiness, savings, monthly payment, offers, inspections, and closing.
Everything nobody explains, explained.
Are you readier than you think?
The three buckets of cash.
Six weeks, give or take.
The menu, side by side.
The 2am-Google questions.
You just read the playbook. The next page is a conversation.
Programs
The first-timer playbook
This page is the conversation we have with every first-time buyer — readiness, real costs, timelines, and how the programs compare. Read it, steal it, then call us with the good questions.
Tap every box that’s true today. Most people surprise themselves.
/ 6
“How much do I need?” is really three questions. Here they are with a worked example at $285,000.
Example figures are illustrative and for education — your numbers depend on price, program, county, and negotiation.
From first hello to keys, the typical arc — assuming the house-hunt cooperates.
Every buyer gets this comparison run on their actual numbers. Here’s the shape of it.
Simplified for orientation — details like loan limits (we stay within conforming and FHA limits), DTI ceilings, and rates get worked through together.
Answered the way we’d answer a friend — including the parts that don’t favor us.
Twenty minutes, free, and specific to your numbers — not the internet’s.
Guidance for every chapter — education first, jargon never. We’d rather teach you the math than talk you into a payment.
Explore
Talk to us
Mon–Sat · 8a–6p CT
Equal Housing Opportunity.
This is not a commitment to lend. Program details, rates, and payment figures are illustrative, change often, and depend on your full application.
- go(path)} className= >
- go(path)} className="rounded-2xl px-4 py-3 text-left text-base font-semibold text-[#26326E] transition-colors hover:bg-[#e8eef8]">
- go('/')} className="flex items-center gap-2.5 rounded-full" aria-label= >
- setMenuOpen(!menuOpen)} aria-expanded= aria-label= className="rounded-full p-2.5 text-[#26326E] transition-colors hover:bg-[#e8eef8] md:hidden">
- go('/contact')} className="bl-btn mt-4 w-full rounded-full bg-[var(--pc)] px-5 py-3 text-sm font-bold text-[#ffffff]">Turn it into a plan
- toggle(i)} aria-pressed= className= >
- go(r[5])} className="font-display text-base font-bold text-[#26326E] underline decoration-[#92b1dd] decoration-2 underline-offset-4 hover:decoration-[#26326E]">
- setOpenFaq(openFaq === i ? -1 : i)} aria-expanded= className="flex w-full items-center justify-between gap-4 px-6 py-5 text-left">
- go('/contact')} className="bl-btn rounded-full bg-[var(--sc)] px-8 py-4 text-base font-bold text-[#26326E]">Start my free plan
- go('/fha-loans')} className="bl-btn rounded-full border-2 border-[#f4f7fb] px-8 py-[14px] text-base font-bold text-[#f4f7fb] hover:bg-[#f4f7fb] hover:text-[#26326E]">Peek at FHA next
- go(l[0])} className="text-sm text-[#c8d4e8] transition-colors hover:text-[#f4f7fb]">
- go(p.path)} className="text-left text-sm text-[#c8d4e8] transition-colors hover:text-[#f4f7fb]">
- Skip to content
- setMenuOpen(!menuOpen)} aria-expanded= aria-label= className="rounded-full p-2.5 text-[#26326E] transition-colors hover:bg-[#e8eef8] md:hidden"> The first-timer playbook Everything nobody explains, explained. This page is the conversation we have with every first-time buyer — readiness, real costs, timelines, and how the programs compare. Read it, steal it, then call us with the good questions. Are you readier than you think? Tap every box that’s true today. Most people surprise themselves. / 6 Turn it into a plan The three buckets of cash. “How much do I need?” is really three questions. Here they are with a worked example at $285,000. Example figures are illustrative and for education — your numbers depend on price, program, county, and negotiation. Six weeks, give or take. From first hello to keys, the typical arc — assuming the house-hunt cooperates. The menu, side by side. Every buyer gets this comparison run on their actual numbers. Here’s the shape of it. Comparison of mortgage programs for first-time buyers Program Min. down Credit starting point Mortgage insurance Shines when… Simplified for orientation — details like loan limits (we stay within conforming and FHA limits), DTI ceilings, and rates get worked through together. The 2am-Google questions. Answered the way we’d answer a friend — including the parts that don’t favor us. You just read the playbook. The next page is a conversation. Twenty minutes, free, and specific to your numbers — not the internet’s. Start my free plan Peek at FHA next · Guidance for every chapter — education first, jargon never. We’d rather teach you the math than talk you into a payment. {socialEntries.length ? ( {socialEntries.map((s) => (
- Book a 20-min chat ↗
- Privacy Policy
- Terms of Service