The '20% down' myth kills more buyer dreams than interest rates do. Most first-time buyers put down far less, and many who think they can't afford to buy actually can. Let's find your number.
Get My Free Game PlanFigures are typical 2026 guidelines and vary by borrower, property, and lender overlays; all loans subject to credit approval.
First-time buyers have more paths than most people realize. The hard part is knowing which one fits, that's where Connor comes in.
Start with the 60-second secure form or a quick call. Connor reviews your goals, gets you a real pre-approval game plan (verified credit, income, and assets, not a 5-minute pre-qual), and walks you through every step so you always know what's needed, why, and what comes next. Getting started requires no credit pull.
His #1 tip for buyers: get fully pre-approved before you tour, and once you're under contract, send requested documents the same day, escrow timelines are won in the first week.
Less than most people think. Depending on the program, down payments range from $0 (VA/USDA) to 3-3.5%, and down payment assistance may cover much of it. Connor will map your options.
Programs that help cover your down payment or closing costs, often as a deferred or repayable second loan. Washington offers up to 4%, Oregon up to 5%, and Idaho up to 8%. Many are not limited to first-time buyers.
Yes. A verified pre-approval tells you your budget and makes your offer stronger. It's the smart first step, and Connor makes it fast with no credit pull to start.
Programs start around 580 (FHA) to 620 (conventional), with VA and USDA options too. Connor reviews your full picture and finds your best fit.
Get a personalized mortgage game plan in one business day, no credit pull required to start.
Start Now or call (360) 713-2995