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First-Time Home Buyers

Your first home is
closer than you think.

Buying your first home can feel overwhelming — but it doesn't have to be. I'll walk you through every step, answer every question, and make sure you never feel lost in the process.

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Julian Yuen, First-Time Home Buyer Loan Officer
Why Julian

A guide, not just
a loan officer.

Most first-time buyers don't know what they don't know — and that's completely okay. I've been in your shoes. After navigating my own frustrating first mortgage experience, I became a loan officer specifically to make this process better.

With a background in software engineering and education, I'm wired to break down complex problems and explain every detail clearly. I won't rush you, I won't overwhelm you with jargon, and I'll always tell you the truth — even if it means telling you to wait.

My first-time buyer clients consistently say the same thing: "I didn't know it could be this smooth."

Let's Talk →
The Journey

Your step-by-step
buying roadmap

Here's exactly what to expect — no surprises, no mystery.

01

Free Consultation

We start with a no-pressure conversation about your goals, timeline, and finances. I'll give you an honest assessment of where you stand and what's possible — no commitment required.

02

Review Your Finances

We'll look at your income, credit, savings, and debts together. I'll identify the best loan programs for your situation and walk you through exactly what you'll need to qualify.

03

Get Pre-Approved

Pre-approval shows sellers you're a serious buyer. I work quickly — most pre-approvals are completed within 24–48 hours. You'll know exactly how much home you can afford before you start shopping.

04

Find Your Home

House-hunt with confidence knowing your budget. I'll be available throughout — if you find a home you love and need a quick answer, I'm a text or call away.

05

Loan Processing & Underwriting

Once you're under contract I'll manage the loan file closely, keep you updated at every turn, and make sure nothing falls through the cracks on the way to closing.

06

Close & Get Your Keys 🎉

Signing day! I'll make sure you understand every document before you sign. Then it's time to celebrate — you're a homeowner.

Loan Programs

Programs built for
first-time buyers

You have more options than you think — even with limited savings or less-than-perfect credit.

🏠

Conventional 97

Only 3% down required. Great for buyers with solid credit (620+) who want to avoid FHA mortgage insurance long-term.

As low as 3% down
🇺🇸

FHA Loan

The most popular first-time buyer loan. More flexible on credit scores and allows 3.5% down — a great entry point for many buyers.

Credit scores from 580
🎁

Down Payment Assistance

California offers several programs that can help cover part or all of your down payment and closing costs. Ask me what you qualify for.

Up to 100% financing available
Common Questions

First-time buyer
FAQs

As little as 3% for a conventional loan or 3.5% for an FHA loan. There are also down payment assistance programs in California that can cover some or all of your down payment. We'll find the best option for your situation.
For a conventional loan, 620 or higher is typical. FHA loans allow scores as low as 580 with 3.5% down. Even if your score isn't where you'd like it, I can help you understand what steps to take to get there.
Pre-approval typically takes 24–48 hours once I have your documents. From accepted offer to closing is usually 21–30 days. I work quickly and stay on top of every step so there are no unnecessary delays.
Typically: 2 years of tax returns, 2 years of W-2s, 2 most recent pay stubs, 2 months of bank statements, and a government-issued ID. For self-employed buyers the list is a bit different — I'll walk you through exactly what's needed for your situation.
Absolutely — and as early as possible. A pre-approval letter shows sellers you're serious, helps you move fast when you find the right home, and makes sure you're shopping in the right price range. It also gives you leverage in competitive markets.
Closing costs typically run 2–5% of the loan amount and cover things like lender fees, title insurance, appraisal, and prepaid items like homeowner's insurance. I'll give you a detailed Loan Estimate upfront so there are zero surprises at the closing table.
Ready to Start?

Let's get you
pre-approved.

No pressure, no commitment — just a clear picture of what's possible for you. Reach out today and let's make this happen.

Start My Application → Ask Julian a Question