First-Time Homebuyers
Buying your first home doesn't have to be overwhelming. Edwin has helped hundreds of first-time buyers navigate the process with confidence and clarity.
Why Buy Now
As little as 3% down with conventional loans or 3.5% with FHA. Down payment assistance available.
FHA loans accept credit scores as low as 580. We work with your current situation.
Edwin personally walks you through every step — no hand-offs to random processors.
Stop paying your landlord's mortgage. Start building wealth for your family.
Get pre-approved so you know exactly what you can afford before you start looking.
Fluent English and Spanish service so nothing gets lost in translation.
5-Step Process
Review your credit score and report. Edwin can help you understand what lenders look for and suggest improvements.
Submit a quick application and get a pre-approval letter showing sellers you're a serious, qualified buyer.
Work with a real estate agent to tour homes. Your pre-approval letter makes your offers stronger.
When you find the right home, make a competitive offer. Edwin ensures your financing is ready.
Sign your documents, get your keys, and welcome to your new home!
FAQ
With FHA loans, you need as little as 3.5% down. On a $300,000 home, that's $10,500. There are also down payment assistance programs that can help cover this. You'll also need money for closing costs (typically 2-5% of the loan amount), but these can sometimes be negotiated with the seller.
FHA loans accept credit scores as low as 580 with 3.5% down. Conventional loans typically need 620+. If your score is lower, Edwin can help you create a plan to improve it. Many buyers improve their score significantly in just 2-3 months with the right guidance.
From pre-approval to closing, the typical timeline is 30-45 days. However, getting pre-approved can happen in as little as 24 hours. The key is starting early — you don't need to have found a home to get pre-approved.
Pre-qualification is an estimate based on self-reported information. Pre-approval involves a full credit check and document review, making it much stronger. Sellers strongly prefer offers from pre-approved buyers because it shows you can actually secure financing.
Absolutely! Student loans don't disqualify you. Edwin will calculate your debt-to-income ratio and help you understand how your student loans affect your buying power. Many first-time buyers successfully purchase homes while carrying student debt.
While not required, a buyer's agent is highly recommended and typically free to you (the seller pays their commission). They'll help you find homes, negotiate offers, and navigate inspections. Edwin can recommend trusted agents in your area.
Get pre-approved in as little as 24 hours. It's free, quick, and there's no obligation.