Many buyers in the Bay Area and Northern California believe they need 20% down to purchase a home. That's simply not true.

Programs available to qualified buyers:

FHA loans — as little as 3.5% down

Conventional loans — as little as 3% down

Down Payment Assistance — as little as 0% down for qualified buyers

VA loans — 0% down for eligible veterans

What you actually need:

Stable income

Manageable debt

Basic understanding of your options

As a licensed real estate and mortgage broker serving Solano County, the Bay Area, Napa, and Sacramento, I help buyers understand their real options and move forward with confidence.

Ready to find out what you qualify for?