First Time Home Buyers have a big decision ahead of them. Quite possibly the biggest purchase they will make in their lives. This site is dedicated to providing them with all of the information that they need to make the best decision.

Loan Programs I discuss the different loan programs that are available to First Time Homebuyers, including Conforming, FHA and USDA loans. From No Money Down to 5% down, I can assist you in finding the perfect mortgage for your needs.

Calculators I have provided numerous calculators to assist in your research, including a Comparison Calculator that will compare a Conforming Loan vs an FHA mortgage vs a USDA loan. These tools are designed to help you make the best decision.

Pre-Qualification I have provided a simple form for you to complete to begin the Pre-Qualification process. Once complete I will be in contact with you shortly and we can discuss your goals for the home buying process. I can then provide you different mortgage options for review.