First-Time Buyers

Nobody was born knowing how to buy a house.

Nic bought his first home at 27 with no credit and no savings — and got walked through every step. Now that's his whole job.

Start with the quiz 📖 Read the guide ↓

How it works

Get pre-qualified

Know your real budget before you fall in love with a house.

Go shopping

Shop with a pre-approval letter in hand. Need a realtor? Nic knows good ones.

Offer accepted

Docs gathered, loan moving, no surprises — that's the promise.

Moving day

Keys in hand. And Nic's still there when rates drop or house #2 calls.

Quick requirements

Anyone buying their first home — or the first one in a long time — who wants straight answers instead of jargon.

✓ Steady income — typically a two-year work history (job changes are usually fine)✓ Some savings — but down payments start at 0–3.5%, not 20%✓ Credit that's real — 580s can work; if you're not ready, you get a fix-it plan, not a rejection✓ Documents: recent pay stubs, W-2s, bank statements — Nic gives you the exact list

General guidelines, not a loan offer — programs and terms depend on your full picture.

Learn

First-Time Buyers: guides & straight answers

Buying Your First Home in Arizona: What You Actually Need to Get Started

No credit, no clue, no 20% down? Here's the straight-talk version of what it really takes to buy your first home.

Read →

Ready for real numbers?

No pressure, no jargon — just a straight answer about where you stand.

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