FROM DREAM TO KEYS!   W.T.F (Where's The Funding?)

Buying your first home is more than just a transaction; it’s the realization of a lifelong dream. But navigating the complex world of real estate can be overwhelming without the right guidance. 

That’s where we come in. 

Our First-Time Homebuyer Bootcamp is designed to equip you with everything you need to turn your dream of owning a home into a reality.

From understanding the home buying process to securing financing, finding the perfect property, and closing the deal, we’re here to guide you every step of the way. 

Regardless of credit history

Whether your credit is stellar or less than perfect, our First-Time Homebuyer Bootcamp covers grants and funding options available to help you save money. Don’t let your credit score hold you back—this Bootcamp provides the resources and guidance you need to achieve homeownership.

Fast and easy qualification

As part of our First-Time Homebuyer Bootcamp, you’ll quickly determine your eligibility and start saving money on your home purchase right away. Designed to streamline the path to homeownership, these resources ensure that first-time buyers can access the support they need without unnecessary delays or complications.

No hassle and obligations

Whether you're just exploring your options or ready to dive into the home-buying process, our Bootcamp is designed to help you make informed decisions quickly and easily. It’s all about equipping you with the tools you need—without any pressure.

Your Homebuying Journey: 

How Long Until You Get the Keys?

From Day One to Key Day: Your Homebuying Timeline

Who We Are

We are a dedicated team of experienced real estate professionals, committed to making your home buying or selling journey as smooth and stress-free as possible. With deep knowledge of the market and a commitment to personalized service, we guide you every step of the way—without any pressure or obligation. Whether you’re a first-time buyer or a seasoned seller, we’re here to ensure a successful and seamless experience.

Enjoy Top-Class Service

Enjoy top-class service from an experienced team of real estate professionals. With extensive knowledge of the market, we pride ourselves on delivering exceptional service tailored to your needs. Our team is dedicated to making your real estate experience as effortless and stress-free as possible, ensuring that you feel confident and supported throughout the entire process. Whether buying or selling, we are committed to your success, providing expertise and care every step of the way.

The Benefits Of Being a Homeowner

Owning your first home is like planting a seed that will grow and flourish alongside your family. It’s more than just a financial investment—it's about cultivating a space filled with love, security, and cherished memories. As you nurture your home, it becomes a place where you celebrate milestones, create traditions, and watch your dreams take root. Just like a plant that grows stronger with time, your home will provide financial stability, allowing you to build equity and secure your future. But above all, it’s about turning a house into a home where love and growth are always in season.

It’s about turning a house into a home where love and growth are always in season.

​

As a first-time homebuyer, securing the right grants and funding can make all the difference in saving money during your home purchase. Our First-Time Homebuyer Bootcamp is designed to guide you through finding and applying for the best financial assistance programs available. By tapping into these resources, you can significantly reduce your out-of-pocket costs and make the home-buying process more affordable. With the right strategy and support, you'll be on your way to owning your dream home without breaking the bank.

​

WHAT OTHERS ARE SAYING...

BY Email…

BY TEXT…

CALL NOW…

Getting Started

1. How Do I Know If I Am Ready To Buy A Home?

Ask yourself these simple questions to see if you're ready:

A. Is my income steady and reliable?

B. Have I been at my job for at least 3 years?

C. Am I good at paying my bills on time?

D. Do I have long-term commitments, like a car loan?

E. Do I have enough saved up for a down payment?

F. Can I comfortably afford a mortgage right now?

Where do you stand financially?

A. Check Your Credit Score: A good credit score can significantly impact your mortgage options and interest rates.

B. Review Your Debts: Understand your current debt load and how it might affect your mortgage approval.

C. Create a Budget: Outline your monthly expenses to determine how much you can comfortably afford for a mortgage payment.

This will help you understand your financial readiness and guide you in making informed decisions as you move forward.

A great agent will make the entire journey smoother and more efficient.

A. Find a Trusted Agent: Look for an agent who understands your needs and is experienced in the local market.

B. Leverage Their Expertise: Your agent acts as your coach and advocate, helping you prepare for the buying process and guiding you every step of the way.

C. Discuss Your Goals: Share your budget, preferences, and timeline with your agent to create a solid home-buying strategy.

Explore Down Payment and Closing Cost Assistance Programs

Your agent’s expertise will ensure you take full advantage of available resources.

A. Collaborate with Your Agent: Your real estate agent can help you research federal, state, and local programs that offer down payment and closing cost assistance.

B. Check Eligibility: Work with your agent to determine which programs you qualify for based on factors like income, location, and first-time buyer status.

C. Reduce Upfront Costs: Use these programs to minimize your out-of-pocket expenses, making your home purchase more affordable.

Getting pre-approved shows sellers you’re a serious buyer and helps you set a realistic budget.

A. Choose a Lender: Research and select a mortgage lender that suits your needs.

B. Gather Financial Documents: Prepare your income statements, tax returns, and other necessary financial documents.

C. Apply for Pre-Approval: Submit your application to get a clear picture of how much you can borrow and what your interest rate might be.

With your pre-approval in hand and assistance programs explored, it's time to start searching for your dream home:

A. Work with Your Agent: Use the criteria you discussed with your agent to start viewing homes that meet your needs and budget.

B. Attend Open Houses: Visit homes in person to get a feel for the neighborhood and see if the property matches your expectations.

C. Stay Flexible: Be open to adjusting your criteria as you explore different properties and discover what’s most important to you.

Start House Hunting1 

Congratulations! You've found the perfect home. Now it’s time to make an offer:

A. Consult with Your Agent: Collaborate closely with your agent to craft a competitive and compelling offer based on the home’s value and your budget.

B. Include Contingencies: Consider adding important contingencies, like a home inspection or financing approval, to safeguard your interests.

C. Review and Finalize: Carefully review all terms, including the offer price, closing date, and any seller concessions, before submitting.

With your agent’s expertise, your offer will be strong and stand out to the seller, increasing your chances of securing your dream home.

What's Deposit Money? (EMD)  

What Is Deposit Money & How Much Do I Require?

A. What Is It?: Deposit money, also known as earnest money, is the amount you "put down" with your offer to show you’re serious about purchasing the home.

B. Ask Your Agent: The required amount can vary, so consult with your agent to determine the exact figure needed.

C. Part of Down Payment: If your offer is accepted, this deposit becomes part of your down payment.

D. Refundable: If your offer is rejected, your deposit is returned to you.

E. Risk of Loss: If you back out after acceptance, you may lose the deposit.

Your agent guide you through each step, ensuring all contingencies are met and everything is on track for a smooth closing.

A. Stop Home Hunting: Once your offer is accepted, it's time to stop looking at other homes and focus on securing the one you’ve chosen.

B. Review Contingencies with Your Agent: Work with your real estate agent to review and manage any contingencies in the contract, such as financing, inspections, or appraisals.

C. Prepare for Next Steps: Begin preparing for the upcoming tasks, such as the home inspection and securing final financing, with your agent guiding you through each step.​

Prepare for Closing 

Avoid new credit applications during this critical period, do not apply for any new credit or make large purchases.

A. Review Closing Disclosure: A few days before closing, you’ll receive a Closing Disclosure document. Review it carefully to ensure all the terms are correct, including loan details, closing costs, and any credits or adjustments.

B. Final Walkthrough: Schedule one last walkthrough with your agent to make sure the property is in the agreed-upon condition, with no new issues since the inspection.

C. Get Ready for Closing Day: Gather all necessary documents and ensure you’re prepared to sign the final paperwork and officially close on your new home.

Closing Day 

 Signing the Papers

Your agent will be by your side during closing to answer any questions or concerns, ensuring you feel confident and informed throughout the process.

A. Bring Your ID and Documents: On closing day, make sure to bring a valid photo ID and any necessary documents your agent or lender has requested.

B. Review Final Documents: Before signing, carefully review all the final paperwork, including the deed, mortgage note, and any other legal documents.

C. Sign and Celebrate: Once everything is in order, sign the documents to officially become the owner of your new home. Congratulations—it's time to celebrate this major milestone!

D. Receive the Keys: After signing, you'll receive the keys to your new home, marking the end of the homebuying process and the beginning of your new journey as a homeowner.

​

Congratulations, You’re a New Homeowner!

Congratulations!  You've just crossed the finish line and officially become a homeowner! This is a huge milestone, and I’m thrilled to have been part of your journey. Your hard work and determination have paid off, and now you have the keys to your new home. If you have any questions or need anything as you settle in, don’t hesitate to reach out. Here’s to many happy memories in your new space—welcome home! 

Check Your Credit Score and Financial Health

Connect with a Real Estate Agent

Get Pre-Approved for a Mortgage

Writing and Submitting the Offer1 

Offer Accepted – Focus on Contingencies  

Disclaimer: This real estate company does not offer legal advice. The information provided is for informational purposes to help homeowners understand their options based on state laws.

Terms of Service

Privacy Policy

FERNANDO HERBOSO

(240) 426 5754

Realtor | Manage Broker of Samson Properties

Affordable Options for First-Time Buyers

Discover low down payment programs, grants, and financial assistance that make owning your dream home easier and more affordable than ever before.

Your First Home, Made Simple: Save Money and Stress with Expert Guidance

Buying a home for the first time can be overwhelming—navigating financial terms, paperwork, and tough decisions. That’s why our First-Time Homebuyer Bootcamp is designed to walk you through every step of the process, so you’re never left guessing.

From the moment you start, we’ll hold your hand and guide you through everything—from finding the best financial assistance programs to avoiding hidden costs and securing the best mortgage rates. With our step-by-step approach, you'll have the confidence to make informed decisions, knowing we’re with you until the very end.

Let us make the journey to your first home stress-free, cost-effective, and successful.

​

Ready to Get Started? Here's Your First Step!

Simply fill out the form below to receive my eBook, which lays out the exact blueprint for your first-time homebuying journey. Once you're ready, we’ll reach out to guide you through your next steps—no pressure, no sales pitch. 

We're here to help you move forward when you're ready to make your dream home a reality.