Your Path to Homeownership Starts Here:
Buying a home is a big decision, but you don’t have to figure it out alone.
Whether you’re a first-time buyer, working on your credit, concerned about today’s monthly payment, or simply wondering what it would take to become a homeowner, the first step is understanding your options.
There may be financing strategies, down payment assistance, grant programs, VA benefits, and other resources available depending on your situation.
Could a Lower First-Year Payment Help You Buy Sooner?
One option worth exploring is a Lender-Paid 1-0 Buydown, which may help qualified buyers start with a lower mortgage payment during the first year.
Before you put your homeownership plans on hold because of the payment, let’s look at the numbers and see what options may be available to you.
Our Expertise
Yolanda Picha – Your Trusted Realtor with Lux Team
Yolanda helps buyers through the entire home-buying process—from understanding what they’re looking for and finding the right home to negotiating strong terms and guiding them through escrow.
Fluent in English and Spanish, Yolanda’s goal is to make buying a home feel clear, comfortable, and achievable, whether you’re ready now or just beginning to prepare.
Sabrina Barella – Loan Specialist with MortgageOne
Sabrina offers a Lender-Paid 1-0 Buydown, which may help qualified buyers begin homeownership with a lower mortgage payment during the first year.
She can also help buyers explore Conventional, FHA, USDA, VA, Non-QM/Self-Employed, DSCR, and Hard Money financing options based on their individual goals.
Sabrina also works with veterans and eligible military buyers to explore VA loan benefits, which may include zero down payment, no monthly PMI, and competitive financing options.
Veronica Barron – Community Lending Programs with City National Bank
Veronica specializes in community lending programs through City National Bank, including the Ladder-Up Program, which may provide up to $20,000 in grant assistance for qualified buyers that can be used toward eligible closing costs or reducing the interest rate.
Your Path to Homeownership Starts With a Conversation
Don’t let the monthly payment automatically make the decision for you.
Let’s look at the whole picture your goals, financing options, available programs, and the homes that fit your budget.
We work together to help you understand your options and create a plan for moving from renting to owning.
Ready to find out what may be possible for you?
Call or text Yolanda at (760) 908-2517 to get started.
