Need a Home Loan?
¡Hablamos Español! Si eres un comprador de vivienda por primera vez, podemos ayudarte con opciones de asistencia para el pago inicial y préstamos VA.
What we SPECIALIZE in
First Time Home Buyers
Down Payment Assistance
Down Payment Assistance
Buying your first home is exciting for first time home buyers, but it can also feel overwhelming. I’ll guide you step-by-step, making the process simple and stress-free, so you feel confident every step of the way. Plus, I can help you explore options like down payment assistance and VA loans to make your home buying experience even smoother.
Down Payment Assistance
Down Payment Assistance
Down Payment Assistance
Worried about saving for a down payment? We’ll explore down payment assistance programs that may help first time home buyers cover part or almost ALL of your costs, including options like VA loans, so you can get into a home sooner than you think.
VA Loans
Down Payment Assistance
FHA/ Conventional Loans
Proudly serving our veterans and active-duty military families, we offer VA loans that make homeownership accessible without the burden of a down payment. This is especially beneficial for first-time home buyers who have served our country, as these loans require no mortgage insurance and provide essential down payment assistance.
FHA/ Conventional Loans
FHA/ Conventional Loans
We offer flexible financing options to meet your needs. FHA loans provide excellent down payment assistance for first-time home buyers with low down payments, while Conventional loans are well-suited for buyers with strong credit who are looking for competitive rates. Additionally, VA loans can also be a great option for eligible individuals.
ITIN Loans
Helping non-U.S. citizens become homeowners is possible with various financing options, including down payment assistance for first time home buyers. If you file taxes with an ITIN number, you can explore these options, including VA loans, to help you purchase a home and start building equity.
Investor (Non- QM) Loans
Ideal for real estate investors and self-employed buyers, these loans provide flexible approval requirements. They are particularly beneficial for first-time home buyers seeking down payment assistance, making it easier to grow your investment portfolio or acquire non-traditional properties, including VA loans.
The loan officer/ la prestamista
Lizette Hernandez
With over 3 years of experience helping families across the Central Valley and Bay Area, I’ve built my business on relationships, trust, and a passion for community. As one of the few Latina mortgage professionals in the area, I take pride in guiding families — especially first-time home buyers — through every step of the process, including navigating options like down payment assistance and VA loans. When you work with me, you’re not just another file number — you’re part of the family.