Do I need 20% down to buy a home?
Often, no. Many programs allow much less.
Home / Who I Help / Homebuyers
Buying a home, without the guesswork
Whether it's your first home or your fourth, I'll walk you through what you can afford, what you'll need, and what happens when.
This is you if: You're house hunting, about to start, or want to know what's possible before you look.
What you can expect
- A clear picture of what you can comfortably afford
- Loan options compared across multiple lenders
- Programs that may include conventional, FHA, VA, and USDA loans
- Down payment assistance options for eligible buyers
- A carefully reviewed pre-approval your agent can trust
- Plain-English explanations of every document
Loan programs, requirements, and availability vary by lender and borrower eligibility. This is not a commitment to lend.
Why work with Shelly
- I read the fine print.
- You get options, not one product.
- You work with me, start to finish.
- Most of my loans close in about 20 days.
Other ways I help
From the Fine Print
What's the difference between pre-qualified and pre-approved?
A pre-approval is reviewed more closely, and sellers take it more seriously.
Will talking to a mortgage broker hurt my credit?
No. A first conversation doesn't involve a credit check.
Ready when you are.
It starts with a conversation, not an application. No credit check, no cost, no pressure.
Or call or text 470-770-1394