Navigating the world of mortgages can be overwhelming, but it doesn’t have to be. Whether you’re a first-time homebuyer or a seasoned homeowner, I’m here to simplify the process and help you explore mortgage programs, down payment assistance, and financing solutions tailored to your needs. Let’s make homeownership accessible and affordable for you in VA, MD & DC.

GETTING STARTED

Before you dive into the home-buying process, take some time to evaluate your expenses and budget. Start with calculating your ideal monthly payment:

• What’s My Payment – Calculate a Mortgage Payment
  Explore payment estimates for FHA, Conventional, USDA, and VA loans.
• What Are Upfront Costs When Buying a Home?
  Understand the expenses you’ll encounter beyond the down payment.
• Where Are the Funds Coming From for Your Home Purchase?
  Learn about options like down payment assistance, retirement accounts, or gift funds.

Mortgage Programs for Every Buyer

Discover the loan options that match your financial goals:

• Conventional Loans -Low down payment options starting at 3% for first-time buyers.
• FHA Loans - Perfect for buyers with lower credit scores; down payments as low as 3.5%.
• VA Loans - No down payment required for eligible veterans and service members.
• USDA Loans -100% financing for properties in eligible rural areas.

Available Down Payment Assistance Programs

Take advantage of programs that make homeownership possible:

For First-Time Buyers

• Down Payment Assistance programs across VA, MD, and DC.
• 80/20 Loan Options to reduce upfront costs.
• NACA Program with no credit score requirement in select areas.

For Seasoned Buyers

• 100% Financing options with no down payment.
• Specialized Financing for Doctors.
• Home Equity Conversion for Seniors.
• Up to $40,000 in assistance for closing costs and down payments.

GET PRE-APPROVED

Pre-approval is your first step toward homeownership, giving you clarity on your buying power and helping you stand out in a competitive market. I’ll guide you through the process, ensuring you’re well-prepared.
 
Mortgage Application Checklist

Have these documents ready for a smooth application process:

• Personal identification
• Income history
• Housing history
• Financial statements

Mortgage Documents Explained

Learn about key documents you’ll encounter during the mortgage process:

• Uniform Residential Loan Application
• Borrower Certification and Authorization
• What is a Loan Estimate?
• Social Security Form SSA 89
• What is a 4506-T Form?
• Uniform Residential Appraisal Report
• Closing Disclosure
• Wood Destroying Insect Inspection Report

Let’s Make Homeownership Accessible

Ready to explore your mortgage options? Let’s connect and discuss your financing needs, review your goals, and find the best options for your budget and timeline.

• Schedule Your Consultation – Click Here
• Learn More About Down Payment Assistance

With personalized solutions and expert guidance, we’ll make your homeownership dreams a reality.

Take the First Step – Schedule Your Consultation Today!