You Don't Need 20% Down. You Need a Roadmap.

A free 9-page guide for San Diego first-time buyers. The 7 steps from "curious" to keys, what buying really costs, and what to do now — even if "someday" is a year or two away.

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Inside this guide you'll find:
 

The 7-step roadmap from "curious" to keys, so you always know where you are and what comes next

Why you probably don't need 20% down — conventional loans from around 3%, FHA at 3.5%, VA at 0%, plus California assistance programs like CalHFA

The real cash-to-close number: closing costs, earnest money, and why it's far smaller than most renters assume

The monthly payment picture (PITI) — the number you actually live with, and how to budget around it

 

What pre-approval really is (a diagnostic, not a commitment), and the credit and savings moves you can start tonight