First-Time • Homebuyer FHA Loan
Helping a Family Buy Their First Home
A young couple came to us unsure about their credit situation and down payment options. Through strategic guidance, we improved their credit scores and secured an FHA loan with better terms.
- Loan amount
- $285K
- Loan Amount
- Interest rate
- 3.25%
- Interest Rate
- Time to close
- 32 Days
- Time to Close
The Starting Point: Hopeful but Unsure
When Maya and Jordan first called us, they had steady jobs and a growing family — but credit scores in the high 500s and only 5% saved. Two online lenders had told them to "come back in a year." They wanted to know if homeownership was genuinely possible, or if they should keep renting.
We started where every first purchase should start: a full financial picture, an honest timeline, and a plan that treated their budget — not a sales target — as the constraint.
The Challenge
- Credit scores 40+ points below conventional minimums
- Down payment savings short of 20%, with rent rising
- Conflicting advice from automated online lenders
- A lease ending in five months adding time pressure
Our Approach
- Built a 4-month credit plan: utilization fixes, one dispute, zero new accounts
- Positioned them for FHA at 3.5% down instead of waiting years to save 20%
- Compared five lenders to beat the first quote by $280/month
- Pre-approval timed to their lease end so they never paid double housing
Key Results: Keys in 32 Days
+65 points
Credit score improvement in 4 months
3.5% down
FHA loan secured with better terms
−$280/mo
Monthly payment vs. initial estimate
32 days
From pre-approval to keys