First Time Home Buyers

First Time Home Buyers

Looking for your first home?

Buying a home is an exciting time! You're about to take a big step so you'll definitely need some advice from a seasoned, seventeen-year Bay Area Mortgage Specialist. I will give you the facts your bank won't tell you about financing your next purchase. With access to multiple lenders, I'll help you find the best rates and best mortgage options to help you buy your dream home.


  • Programs available with 3% down and only 1% borrower contribution AND 1% reserves, no MI, based on purchase price and a 680 FICO, 5% down required if FICO is 660-679.
  • This program is also available for rate/term refinances, restrictions apply. Contact Denise for details!
  • Loan Amount up to $453,100 for one unit or $580,250 for two units (rental income from the second unit can be included).
    • Can be combined with lender specific second: a Maximum loan amount of up to $9,342 for single unit and $11,961 for two units
  • A gift from a family member or a grant or loan from a bank approved nonprofit organization, municipality or employer is acceptable.
  • Available in the following counties that I serve:


Santa Clara

Contra Costa


San Francisco

San Mateo

Need a pre-approval before you go househunting?

My best advice? Find out how much you can afford before you go househunting! This will keep you focused on shopping for homes within your price range. If you qualify for a pre-approved mortgage, you'll be certain of the size of mortgage for which you qualify and guaranteed (restrictions apply) a rate for a specific period of time. If you don't qualify for a pre-approved mortgage, we will be able to help you estimate a mortgage-qualifying amount.


*Rates, programs, and products are subject to change at any time and do not represent a commitment to lend*


What's Next

Contact Denise

First time buyer or refinancing? Call for a free quote!


Get Pre-Approved

We shop for the best mortgage option at no charge to you.

Get Started


Crunch the numbers and explore your options!

Learn More
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