Meet Sarah and Mark — a young couple full of dreams but worried that homeownership might be out of reach. Like many first-time buyers, they weren’t sure how they could save enough for a down payment while balancing student loans, everyday expenses, and the rising costs of living. They had been looking at homes for months, imagining the life they wanted but feeling increasingly stuck.

Then they reached out to me.

I specialize in helping first-time buyers achieve their goal of homeownership — no matter their situation. Over the years, I’ve helped countless people navigate the confusing world of mortgages, down payment assistance programs, and negotiation strategies. Sarah and Mark’s story is a perfect example of how a little guidance and the right resources can make a huge difference.

Together, we explored a little-known first-time homebuyer program that provides 3.5% down payment assistance. Many buyers think programs like this are difficult to qualify for, but in reality, it’s often easier than you might expect. I walked Sarah and Mark through the eligibility process, answered every question, and helped them feel confident every step of the way.

Next, we identified a home that checked all their boxes — a place where they could see themselves building their future. We also negotiated seller credits to cover additional closing costs, further reducing their upfront expenses. The outcome? Sarah and Mark were able to purchase their first home for only $56.43 out of pocket.

Imagine that — walking into a home that’s truly yours, with nearly all of your upfront costs covered. That’s the kind of result I work to make possible for all my clients.