You Can Buy a Home.
We Can Show You How.

Owning a home is not out of reach; in fact, it’s a lot more plausible and financially smarter than renting. For first-time home buyers, there are some things to know before taking the next step.

Have You Ever Done the Math?

We believe that the cornerstone for financial prosperity in America is homeownership. Most people know that owning is better than renting, but don’t understand the true power of homeownership.

Common Misconception #1

You Need a Big Down Payment

Most people don’t need any more cash to own a home than moving into a new rental. If you can come up with the first, last and a deposit; you should be able to buy a home. There is NO ADVANTAGE to waiting a year to save up for a larger down payment if you are a renter. As first-time homebuyers, your down payment works like a deposit you make into your own savings.

We show first-time homebuyers that your initial investment into your home will have a greater ROI than anything other investment opportunities available. Further, we believe that owning a home should be a higher priority than paying off debt as you have a housing expense anyway.

Common Misconception #2

You Need Perfect Credit to Buy a Home

Most people with a credit score over 620 can buy a home. We have lenders who will even go as low as 580 for first-time homebuyers. Your mortgage score will be different than what you see on sites like credit karma.

We have tools that can show many first-time homebuyers how to rapidly increase their score. For many, it makes little sense to wait to buy a home while you fix up your credit if you can purchase right now. Again, it’s about the math we learned above.

But You DO Need Documentation

First-time homebuyers will need to prove identity, employment, income, debts and credit rating. We prove it with documentation; not stories, anecdotes or promises. Some documents we’ll need:

  • 30 days of pay-stubs
  • Government-issued ID
  • 2 years W2’s or Tax Returns if you’re self-employed
  • 60 days of bank statements to prove you’ve obtained your down payment legally

Next Up, Find the Right Real Estate Agent!

Did you know that both agents are paid by the seller? We will show you how to make sure your agent has your best interest at heart! Picking a home is about more than bedrooms and countertops. We show first-time homebuyers how to interview multiple realtors and set appropriate expectations. We’ll help you get clear on your objectives based on housing AND financial needs/goals. The 80/20 rule (Pareto’s Principle) applies to real estate.

Learn Financial Efficiency

Compound interest is expensive; you need a plan for dealing with it if you actually want to get ahead. The average homeowner will spend 60% or more on interest over the life of the loan.
Don’t be that guy!

potential homebuyers


 It’s OK to start with a 30-year mortgage because it’s so much more efficient than renting (see #1 above), but it’ll save you a fortune if you can pay it off early. Also, we want first-time homebuyers to be prepared with good strategies for managing your equity as it grows; don’t get me started on all the bad refinance decisions people make.

Even as first-time homebuyers, you can save hundreds of thousands in interest costs as you transition through the different stages of your life when you understand how all of this stuff works.

Learn Financial Efficiency

Compound interest is expensive; you need a plan for dealing with it if you actually want to get ahead. The average homeowner will spend 60% or more on interest over the life of the loan.
Don’t be that guy!

potential homebuyers


 It’s OK to start with a 30-year mortgage because it’s so much more efficient than renting (see #1 above), but it’ll save you a fortune if you can pay it off early. Also, we want first-time homebuyers to be prepared with good strategies for managing your equity as it grows; don’t get me started on all the bad refinance decisions people make.

Even as first-time homebuyers, you can save hundreds of thousands in interest costs as you transition through the different stages of your life when you understand how all of this stuff works.

Interested in Learning More?

You aren’t being presented with all of the facts about homeownership. We’re going to tell you what no one else will so that you can live in financial freedom.

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