This page of my website is dedicated to the first time homebuyer. If you are that person and you have dreams and goals of owning a home in the future I'd like to share some information that can help you on this exciting and just a little scary adventure you are about to embark on.

First if you choose I will be there with you every step of the way. I am a mortgage expert with almost 2 decades of experience. I am a Certified Mortgage Coach and over the years I have helped many buyers realize their dream of homeownership.

It's very important to know where to start the process and it's critical that your starting point be a professional evaluation of your personal situation. This can be in the form of a PRE-APPROVAL analysis done after you provide your income and asset information. You may be a perfect buyer now and ready to hit the pavement and shop for a home OR you may need assistance and coaching to get you ready, either way it's important not to skip this step or analysis.

Why you might ask;
1. You want to be certain in the ever changing mortgage market you meet all the guidelines and most importantly know how much of a loan you can qualify for with your current income.

2. Most Realtors won't take you out shopping until you have been Pre-Approved and have a letter from a lender or bank stating the amount you are approved to purchase.

3. You can also determine what type of loan best fits your situation, FHA, VA, USDA or conventional. Some of these factors can make your offer more presentable to a seller as well.

4. If you are competing with other buyers on the same property listing, having a Pre-Approval letter will help strengthen your offer because by having this done you are telling the seller and their agent you have been responsible and have completed this in advance. Certainly more desirable then someone who has not gone through the pre-approval process. You don't want to be the buyer who puts in an offer that is accepted just to find out later while in escrow and under contact you don't qualify. Trust me when I tell you NO one will be happy with you.

The coaching program is a great program that is FREE to the buyer. I will work with you as a Certified Coach one month or 5 years however long it takes for you to reach your goal of homeownership. I'll be here to answer any questions you have and to prepare you along the way.
Give me a call for a free consultation 808-457-2455

 









































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