First-time buyers
First-time home buyers: a clear path to your first home.
Your first purchase raises a lot of questions at once. Nina helps first-time buyers understand the full costs, explore down payment assistance, and avoid the mistakes that make a first purchase harder than it needs to be.
Talk with NinaMay be a good fit if…
- You have not owned a home in the past three years.
- You want to understand down payment and closing-cost options.
- You want a patient walkthrough of the whole process.
What to know
Down payment help
State and local programs may offer grants or deferred loans. Eligibility, income limits, and terms vary by program.
Know the full cost
Budget for property taxes, insurance, HOA dues, and any Mello-Roos special taxes, not just the mortgage payment.
Common pitfalls
Skipping inspections, stretching the budget, or changing jobs or credit during escrow can all cause trouble.
Questions worth asking
- Do I qualify for any down payment assistance programs?
- How much should I keep in savings after closing?
- Is a condo, townhome, or single-family home a better first step for me?
Frequently asked questions
Who counts as a first-time home buyer?
Many programs define it as someone who has not owned a home in the past three years, but each program sets its own rules.
What is Mello-Roos?
A special tax in some California communities, often newer developments, that funds local infrastructure. It is added to the property tax bill.
Should I get pre-approved before looking at homes?
Yes. A pre-approval confirms your budget and shows sellers you are a serious, qualified buyer.
Related reading
Want advice for your situation?
Nina Tien, California real estate salesperson, DRE #01420365, licensed under Century Financial Group, Corp. (DRE #01930905). Educational information only; not legal, tax, or financial advice. Timelines and results vary with the property and market. Contact: 714-276-0960.