Build a comfortable budget
Look beyond principal and interest. Plan for taxes, insurance, possible mortgage insurance, HOA dues, maintenance, and reserves.
First-time buyers · California
Your first home. A confident beginning.
Turn a big decision into a clear plan. Shana helps you understand the budget, documents, and financing choices before you begin making offers.
For buyers taking their first step into homeownership.
Compare the options
Discuss conventional, FHA, and VA financing where eligible, along with any available assistance that fits your situation.
Prepare before you shop
Review income, credit, assets, and timing so your home search starts with a realistic price range.
Prepare for your conversation
A few details make a clearer plan.
- Recent pay statements and income history
- Asset statements and your down-payment plan
- A list of monthly debts
- Target location, payment, and timeline
Share sensitive documents only through the secure application portal. The exact documentation needed depends on your situation and program.
Program availability, eligibility, and terms vary. This information is educational and is not a loan approval or commitment to lend.