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2023 HOMEBUYER PROGRAMS!

It's 2023 and Los Angeles County has introduced and reinstated many local, city and state government first-time homebuyer progams that offer more accessible 1st time buyer grants loans and down-payment options for many first-time buyers. We specialize in assisting the First Time Home Buyer looking to purchase their first home in Los Angeles and surrounding cities.

Written Verification of Employment Only

No Paystubs

No W2's

No Tax Return

No 4506-T

No Bank Statements to Show Payroll Deposits

Conventional to 95% LTV

FHA to 96.5% LTV

VA to 100% LTV

Lower credit score acceptance!

No maximum income restrictions!

Investor Friendly!

Not sure if you qualify for any of the 2023 homebuyer programs?  You'd be surprised! Whether you are married, have been divorced, or have been a previous home owner before, you still could very well qualify for many first-time home buyer programs in Los Angeles and surrounding cities.

Condos/Lofts~Single Family Homes~Rental Income Properties

10 Steps to Prepare for Homeownership

1.    Decide how much home you can afford. Generally, you can afford a home equal in value to between two and three times your gross income.

2.    Develop a wish list of what you’d like your home to have. Then prioritize the features on your list.

3.    Select three or four neighborhoods you’d like to live in. Consider items such as schools, recreational facilities, area expansion plans, and safety.

4.    Determine if you have enough saved to cover your downpayment and closing costs. Closing costs, including taxes, attorney’s fee, and transfer fees average between 2 percent and 7 percent of the home price.

5.    Get your credit in order. Obtain a copy of your credit report.

6.    Determine how large a mortgage you can qualify for. Also explore different loans options and decide what’s best for you.

7.    Organize all the documentation a lender will need to preapprove you for a loan.

8.    Do research to determine if you qualify for any special mortgage or downpayment-assistance programs.

9.    Calculate the costs of homeownership, including property taxes, insurance, maintenance, and association fees, if applicable.

10. Find an experienced REALTOR^Ò (Celeste Steger) who can help you through the process.

Call Celeste for details at 
323-791-9200