Purchase assistant
Buy the home. I'll handle the loan.
Whether it's your first house or your fifth, the financing should be the easy part. I'll show you exactly what you qualify for, what it costs each month, and how to make an offer sellers take seriously.
Where you're starting from
Every buyer's path looks a little different
Find the one that sounds like you. Each comes with its own programs, and I'll match you to the right one.
First-time buyers
You've been renting and you're ready to stop. The down payment is usually smaller than you think.
- As little as 3% down on conventional
- 3.5% down with FHA
- Arizona down payment assistance
- Gift funds from family allowed
Moving up or relocating
You own now and you need the timing to work — selling one home while buying the next.
- Buy before you sell strategies
- Equity from your current home
- Coordinated closing dates
- Relocation into AZ or CA
Investors & second homes
You're buying for rental income, a vacation property, or to build a portfolio.
- Investment property financing
- DSCR loans based on rental income
- Second home programs
- Portfolio and multi-property options
The process
From "just looking" to keys in hand
-
01
Get pre-approved before you shop
This is the step most buyers skip, and it costs them houses. A pre-approval tells you your real budget and tells sellers you're serious. It takes about ten minutes and doesn't touch your credit.
-
02
Find the home with your agent
Don't have an agent yet? I'll introduce you to someone I trust in your market. If you already have one, I'll keep them looped in on every milestone so nothing stalls.
-
03
Make an offer backed by real financing
I turn around updated pre-approval letters fast, including evenings and weekends, so you can move the moment you find the right house.
-
04
Underwriting, appraisal, and title
This is where deals fall apart when nobody's driving. I stay on top of every party, chase documents early, and tell you the truth about timing.
-
05
Close and move in
You'll know your final numbers well before closing day — no surprises at the table. My clients average a ten-day close.
What you'll need
Get your documents ready and you'll close faster
You don't need all of this to start a conversation — but having it ready is the single biggest thing that speeds up your loan. Send what you have and we'll work through the rest together.
- Photo ID for every borrower
- Last two years of W-2s or 1099s
- Last two years of tax returns, all pages
- Most recent 30 days of pay stubs
- Last two months of bank statements, all pages
- Statements for retirement and investment accounts
- If self-employed: profit and loss, plus business returns
- If using gift funds: a signed gift letter
Buyer questions
What people ask me most
How much house can I actually afford?
It comes down to your income, your existing monthly debts, your down payment, and current rates. Most lenders look for your total housing payment plus debts to land under roughly 43–50% of your gross monthly income, though several programs allow more. Try the payment calculator for a quick estimate, then let's talk through the real number.
What's the difference between pre-qualified and pre-approved?
A pre-qualification is a rough estimate based on what you tell me. A pre-approval means I've reviewed your actual documents and credit, so it carries real weight with sellers. In a competitive market, a pre-qualification often isn't enough.
How much are closing costs?
Typically 2–5% of the purchase price, covering lender fees, title, escrow, appraisal, and prepaid taxes and insurance. Some of it can be covered by seller concessions or a lender credit, and I'll give you a written estimate up front so you can plan.
Do I need perfect credit?
No. Conventional loans generally start around a 620 score, FHA can go lower, and VA has flexibility for eligible veterans. If your score needs work, I'll tell you specifically what to fix and roughly how long it takes.
Can I buy with a co-borrower or family member?
Yes. Co-borrowers and non-occupant co-borrowers are both common, and combining incomes often opens up a meaningfully better price range.
No obligation · No credit check
Let's find out what you qualify for
Ten minutes now saves you weeks later. Apply online and I'll call you personally to walk through your options.