First-Time Home Buyers

Your Journey to Homeownership Starts Here

Buying your first home can feel exciting and overwhelming at the same time. Between pre-approvals, offers, and escrow, it’s easy to feel unsure about what comes next. That’s where we come in.

We guide first-time buyers through the entire process — from getting pre-approved to getting the keys, with clear guidance and no pressure, so you always know what step you’re on and what to expect.

Schedule First Buyer Consultation

Step #1

Get Pre-Approved

Before home shopping begins, we connect you with trusted lenders to understand what you can comfortably afford. A pre-approval clarifies your budget, strengthens your offer, and sets you up for success when the right home comes along.

Connect with Lender

Step #2

Build Your Buying Plan

Choosing an agent matters, especially for first-time buyers. We take the time to understand your goals, explain the process in plain language, and help you avoid common mistakes.

With decades of combined coastal experience, we help first-time buyers feel prepared, informed, and supported from the very beginning.

Schedule 15-Minute Consultation

Step #3

Start Home Shopping

This is where things get exciting. We’ll help you define your must-haves, nice-to-haves, and deal-breakers, then start touring homes that fit your lifestyle and budget.

We’ll also help you stay aware of coming-soon and off-market opportunities, so you’re not always reacting late.

Access Off-Market Listings

Step #4

Submit a Strong Offer

When you find the right home, we’ll guide you through writing a competitive offer — from pricing and terms to timing and strategy.

You’ll understand every part of the offer before you submit it, so you can move forward with confidence.

Step #5

Navigate Escrow

Once your offer is accepted, we manage the details. We’ll coordinate inspections, appraisals, lender timelines, and paperwork — keeping you informed and on track until closing.

This is where experience matters most, and we’re with you every step of the way.

Step #6

Welcome Home

Closing day is just the beginning. We celebrate with you — and stay available long after you’ve moved in.

From contractor recommendations to local insights, we’re here as a long-term resource, not just during the transaction.

First-Time Buyer Resources

Down payment assistance programs (CalHFA, city grants, and more)

Typical closing costs & what to expect

Tips for saving on your first home

The most common first-time buyer mistakes to avoid

See What Programs You Qualify For

What Our Clients Are Saying

“

Pete’s team made everything so simple. They explained every step, connected us with a great lender, and even found us an off-market home in Linda Mar. We couldn’t be happier.

”

– The Nguyens

First-Time Buyers in Pacifica

Ready to Start Your Journey?

Whether you’re just starting to explore or already pre-approved, we’d love to help you take the next step. Let’s talk about your goals, your timeline, and what’s possible in today’s market.

Schedule Now

Frequently Asked Questions

How long does it take to buy a home?

It really depends on how quickly it takes to find the right home. Some clients get into contract in a few weeks, others take a few months. Once your offer is accepted, we can usually close in about 21 days. The key is getting pre-approved early and staying ready to act when the right place pops up.

How much do I need to save?

Good news—you don’t need 20% down to buy a home. In fact, most first-time buyers put down closer to 6%. With certain loans, like FHA, you can go as low as 3.5% down, and closing costs usually run about 1% of the purchase price.

Are there special loans for first-time buyers?

Yes! From low down payment options to closing cost assistance and local first-time buyer programs, there are more resources out there than most people realize. We’ll connect you with a trusted lender who can help find the best fit for your situation.

Featured Listings