Your Home Buying Road Map

The amount needed depends on the loan program, purchase price, and closing costs. Many buyers purchase with as little as 3–5% down, and some programs allow low or no down payment. Additional costs may include closing fees, inspections, and prepaid expenses. A lender can provide a personalized estimate based on your situation.

On average, the home buying process takes 30–60 days once under contract. The timeline can vary depending on market conditions, financing, inspections, and negotiations. Preparation and clear communication can help keep the process on track.

Credit score requirements vary by loan type. Some programs allow buyers to qualify with scores in the mid-500s to 600s, while others require higher scores for better rates and terms. A lender can review credit and explain available options.

Yes. Many buyers qualify for down payment assistance programs, grants, or special loan options depending on income, location, and eligibility. These programs can significantly reduce upfront costs.

Yes. Full real estate services are available in both English and Spanish, ensuring clear communication and guidance throughout the entire buying process.