It’s not the house that you need, it’s the house you deserve.

We work with companies that can help you to increase your credit score in one to three months.
By contrast, most agencies will take a year or more to do so, all while charging you a monthly service fee.

We have many programs that will fit your budget.
We also have programs for first-time and second-time home buyers, where you only need to come up with a low investment.

Choosing the right agent is important because he/she will help you to get the best interest rate, price, and terms for your new home.
Most of us have a family member or a friend that works in real estate; however, you want to make sure that they are knowledgeable and proficient.

We like to educate all of our clients from the beginning because this gives them the confidence to make the right decision when buying a home.
To start, we will help you to qualify for the loan by selecting the financial institution that will give you the best interest rate and terms.
Once you are qualified, we will work within your budget, so you can get the best value for your money.
We guide you every step of the way, making you feel comfortable with the entire transaction.

The best time to buy a home is when you meet all the qualifications.
It doesn't matter if the interest rates or housing prices are low if you are not ready.

"Ready" is not just having a good credit score and enough money for a down payment - you also have to have the right mindset. For example, during COVID, interest rates were historically low and I personally told all of my family and friends to take advantage of the market and buy a property.

I explained to them that it wouldn’t matter if they wouldn't be buying their dream home at that time because they could sell the property in a couple of years and gain a lot of equity.
Many were giving me the same excuses:
“I want to wait to see if the interest rates drop more”,
“I’m waiting for the prices to drop”,
“things are too good to be true, I think the market is going to crash”,
or
“I’m going to wait a little bit longer”.

What ended up happening?
Friends that took my advice gained from $80,000 to a crazy $200,000 in equity.
Those that didn’t take my advice ended up regretting that they didn't take action.
Likewise, people that waited 10 to 15 years to buy a home, are finding that instead of buying a house for $400,000, the same house now costs $700,000.

Bottom line, if you have fair or good credit, some money saved and enough income to make your mortgage payment, go for it! Don’t make the mistake of waiting until house prices increase to a point that you can't afford them.

There is more risk when you are renting than when you are buying a house.
You could be renting a property for five years and suddenly you may get a 30-day notice to vacate the property.
Why? Because you are not the owner.

We have had many clients saying that they need to buy a house as soon as possible because they got that 30-day notice.
They have been paying rent for 20 years and have moved multiple times but this time it is really hard to find a place to rent and rents in most cases are the same or more than a mortgage payment.

Our advice when buying a house is to make sure that you get into a program where you feel comfortable with the mortgage payment.
It’s normal to be nervous, but like everything, you get used to it.

It's like when you first buy your first car.
You didn’t know if you were going to be able to make the payments but after some time you budgeted enough to make the payments.
Stop paying someone else's mortgage! You and your family deserve a great home of your own.