Buying Your First Home

Hello! Whether you are buying your first home or you're a real estate professional helping someone buy their first home, I hope you will find this information useful. I'm including some financial strategies and information you may find helpful on your journey to buying your first home. NOTE: Mortgage rates quoted in scenarios are for education purposes only and are expired. Please contact me for current mortgage rates based on your personal scenario or click here.

Please review the examples I have prepared for you. I would love to answer your questions and help you create a plan to finance your home -- even if you believe that buying a home is a few years away!

There are many programs available, including mortgages featuring low down payments. Here are just a few strategies (note rates are expired):

Understanding the Numbers. This report shows some minimum down payment scenarios that are available for home buyers. You don't need to have a 20% down payment to buy a home!

Rent vs. Owning Your Home. This report compares renting to buying a home with real numbers. Click here for a Rent vs Own Report.

How to Create Affordable Housing. This report shows different strategies to help reduce mortgage payments.

Should You Wait or Buy Now? Last but not least, this report addresses if you should wait for possibly lower home prices or interest rates; or if you should buy now.

By the way, I am happy to prepare scenarios for you using YOUR information. My goal is to help people make informed decisions about their mortgages and finances.

What's next? I would love to answer your questions and help you create a plan for the financing of your next home. There are many programs available, including some offering down payment assistance. If you are considering buying a home (or refinancing), I'm happy to help you! Click here to start the preapproval process.

I look forward to helping you with the purchase of your home.

Take care,

Rhonda Porter Mortgage Consultant MLO121324

UPDATE: We have new programs that offer down payment assistance up to 100% financing. Click here for more info!


"Communication was exemplary! She went above and beyond to help make sure this was a successful transaction for all parties involved. Looking forward to many more transactions with Rhonda!"

deanna f

"Process was very smooth and very informative throughout, which I appreciate greatly as I had a ton of questions!"

vincent r

"To begin, we were moving across country with short notice and the seller required a 30-day closing. I haven’t experienced getting a mortgage in over 30-years…OMG it’s changed a lot! I am not even exaggerating when I say that we would not have accomplished this without the exceptional experience that Rhonda brought! After we signed and locked the 2023 high interest rate, days later there was a significant dip in the rates and Rhonda relocked us at the lower rate! What an unexpected gift. I don’t know anyone else who would go out of their way to do that for a client. Not only is she a Pro, but she’s a joy to work with and also guided us through with lots of patience. 5-STARS all the way!"

mark fernandez