First-time buyers

From renting to owning a home

Buying your first home may be closer than you think. If you're unsure about your credit, income or savings, learn your options before assuming you can't buy.

Jesús Contreras with a client holding the keys to a new home

Questions I hear

Questions that come up every week

Four common concerns, each with a next step.

Is my credit good enough?
Your score affects loan eligibility and rates. A lender can review it with you.
How much do I need down?
You don't always need 20%. Lower-down-payment loans and assistance depend on your eligibility.
Paperwork in another language
Credit, financing, inspection, appraisal, title and insurance: I explain the documents in Spanish.
Rent or buy?
We compare rent with a full mortgage payment including taxes, insurance, HOA and CDD fees.

How I help

Support for your next step

I'm an agent, not a lender. I guide you, help you search and represent your interests.

Every step explained
Understand the entire buying process in plain language.
Credit, income and savings
Know what you need before buying.
Assistance programs
Explore first-time buyer programs based on eligibility.
Down payment and closing costs
Review options based on your circumstances.
Financing
Connect with trusted professionals who explain loan options.
Rent or buy
Compare continuing to rent with buying your first home.

How it works

Four steps to your keys

Step 1
Getting to know you
We discuss your goals, income, credit, savings and a comfortable monthly payment.
Step 2
Learning your options
Understand your possible budget, financing and assistance based on your situation.
Step 3
Finding your home
With a clear budget, we look for the right property, location and features.
Step 4
Getting your keys
I represent you in negotiation and guide you through the purchase to closing.

Common situations

You're not the first to ask

Years of renting
We review the real numbers. You may be closer than you thought.
Credit needs work
If the answer is 'not yet,' you leave with a written plan and appropriate contacts.
Buying together
We look at the income and credit of everyone buying.
Considering new construction
Builder incentives may help with closing costs; we review their terms.

Your first home

Questions about first-time buying

Not always. FHA loans start at 3.5%, some conventional programs at 3%, and qualifying VA borrowers may need no down payment. Florida also has assistance programs. A lender will confirm your eligibility.

I'll be honest. A loan professional can explain what needs to change, such as resolving an account, paying down a balance or documenting income. That's a plan, not just a rejection. I'll stay in touch until you're ready.

The consultation, MLS search, showings and guidance are free. In most transactions, the buyer's agent commission is paid from the seller's proceeds at closing. Any exception will be explained in writing before you commit.

Where I work