BUYING A HOME
Buying a home, guided from first question to keys.
Pre-qualification isn't a formality - it's the thing that keeps you from touring houses you can't actually buy. Let's get you a real number first.
5
STEPS, START TO KEYS
30-45
DAYS, OFFER TO CLOSE
7
LOAN OPTIONS TO FIT YOU
WHERE TO BEGIN
The best first step isn’t a house. It’s a conversation.
Most buyers start by scrolling listings. The smarter first move is knowing exactly what you can borrow — so when the right home appears, you're ready to act. That's what pre-approval gives you, and it's where we begin.
From there, I help you shop with confidence, structure a competitive offer, and carry it all the way through underwriting to closing day — translating every step out of bank-speak as we go.
What pre-qualification actually means
A pre-qualification letter tells sellers you're not wasting their time. It also tells you what you're working with, so you're not shopping blind or lowballing yourself out of houses you could afford. I look at your income, debt, and down payment and give you a straight range — not the maximum number a calculator spits out, the number that actually makes sense for you.
LOANS THAT FIT A PURCHASE
Seven ways in. We’ll find yours.
There's no "best" loan — only the right one for your situation. Across Washington, Montana, and South Dakota, these loans cover most buyers.
BEFORE YOU SHOP
Four things worth knowing first.
-
Many loans accept 3–5%, and VA/USDA can be zero. Don't let the myth stall you.
-
Verified pre-approval is what makes sellers take your offer seriously.
-
Principal, interest, taxes, insurance — and HOA where it applies. I show the real number.
-
Even a small score improvement can change your monthly payment. We'll look before you apply.
What I’ll actually do for you.
Walk through your real numbers, not a generic pre-approval range
Tell you which programs you qualify for and which ones you don't, and why
Stay reachable through your offer, inspection, and closing — not disappear after pre-approval
Give it to you straight if the math doesn't work yet, plus what would need to change
NO PRESSURE, NO OBLIGATION
Ready to find out what you can afford?
Start with a no-pressure conversation. We’ll map your options and your timeline - application required.