purchase first-time-buyer california

Buy Your California Home With Confidence

From pre-approval to closing, work with a broker who shops 20+ wholesale lenders for your purchase loan.

Michael Banan· 2026-05-19
Purchase

Pre-approval that real estate agents respect.

Pre-approved in 24-48 hours. Real wholesale rates from 20+ lenders. The kind of letter sellers take seriously in a competitive offer.

No credit pull · No obligation · CA-licensed broker (NMLS #2597373)

Why work with a broker?

Mortgage brokers shop multiple wholesale lenders for your file. You get one broker — and 20+ lenders compete for your business.

⚡

24-48 hour pre-approval

Soft credit pull, income docs, and we have your pre-approval letter ready before the next showing.

🏷️

Wholesale rates

Brokers access wholesale pricing not available to consumers. Often 0.125-0.375% better than retail.

🤝

Agent-friendly

We work directly with your buyer's agent, share weekly status updates, and never delay an offer with surprise conditions.

🎯

All loan types

Conventional, FHA, VA, Jumbo, CalHFA — we shop all of them and tell you which fits your situation best.

How it works

Three steps. No surprises. We tell you exactly where your file stands at each one.

1
Pre-qualify in 5 minutes
Online intake. Soft credit pull. We give you a max purchase price and monthly payment estimate same day.
2
Find your house, lock your rate
When you're under contract, we lock the rate (or float strategically) and shop 20+ lenders for the best execution.
3
Close in 21-30 days
We coordinate with your agent, escrow, title, and the appraiser. You sign at closing. Keys in hand.

Common questions

How much do I need for a down payment?
FHA: 3.5% down. Conventional: 3-5% for first-time buyers, 5-20% otherwise. VA: $0 down for eligible veterans. CalHFA: low down options for California first-time buyers. We'll match the program to your savings.
What credit score do I need?
FHA loans accept scores down to 580 (sometimes 500 with 10% down). Conventional usually wants 620+, with best rates at 740+. VA and Jumbo have their own thresholds. We work with multiple lenders so we can usually find a fit.
How much will my monthly payment be?
For a $700k California home with 10% down at today's rates, expect roughly $4,500-$5,200/mo all-in (principal, interest, taxes, insurance, MIP). Use our affordability calculator for a real estimate based on your numbers.
Should I use a broker or go to my bank?
Banks offer one rate from one source — their own. Brokers shop 20+ wholesale lenders and present the best 2-3 options for your specific file. For complex files (self-employed, jumbo, low credit, unique property), brokers almost always win on rate or program fit.
How long is a pre-approval good for?
Most pre-approvals are valid for 90 days. After that we re-pull credit and update income docs. Your max approval can change if rates move significantly.

Ready when you are

Five minutes to start. No credit pull. We'll text or email your options the same day.

Michael Banan · NMLS #2597373 · CA DRE #02238350 · 🏠 Equal Housing Opportunity