First-time home buyers
Buy your first home in the Inland Empire, with a guide for every step
You may need less money down than you think. Jorge helps first-time buyers understand their options, from low down payment loans to California and county assistance programs, and makes the whole process feel manageable.
See what you could qualify for
Tell Jorge a little about your plans. He’ll explain your options and introduce trusted lenders.
Loan options and programs worth knowing
Every buyer’s situation is different, and program rules, limits and funding change often. These are the main paths Jorge walks first-time buyers through.
FHA loans
Government-insured loans with low down payment requirements and more flexible credit guidelines. Popular with first-time buyers.
Low down payment conventional
Some conventional programs allow as little as 3% down for qualified buyers, with mortgage insurance that can be removed later.
VA & CalVet loans
For eligible veterans and service members: VA loans can require no down payment at all.
CalHFA programs
The California Housing Finance Agency offers first mortgages and down payment and closing cost assistance for qualifying buyers.
County & local assistance
Riverside County and some Inland Empire cities periodically offer down payment assistance, usually with income and price limits.
Buying with family
Co-borrowers and gift funds from relatives can help you qualify or cover your down payment, within each loan’s rules.
Your first-home roadmap
Check your numbers
Review credit, savings and a comfortable monthly payment. Jorge can point you to free credit help if needed.
Get pre-approved
Meet a lender who knows first-time buyer and assistance programs, and get a real budget in writing.
Find & win your home
Tour homes in your price range and write a smart offer that sellers take seriously.
Close & get your keys
Inspections, appraisal and paperwork, all explained, until the day you move in.
First-time buyer myths Jorge hears every week
“I need 20% down.”
Many buyers put down far less, and assistance programs can help with the rest.
“My credit has to be perfect.”
Some loan programs accept moderate credit scores, and a few months of planning can make a big difference.
“Renting is cheaper.”
Sometimes, but every rent check builds your landlord’s equity. Jorge helps you compare honestly.
“I’m self-employed, so I can’t qualify.”
Self-employed buyers can qualify with the right documentation, and there are lenders who specialize in it.
No Social Security number? You may still be able to buy with an ITIN.
ITIN home loansReviews
What clients say about working with Jorge
“Jorge made buying our first home incredibly easy. He explained everything to us in Spanish and we never felt lost.”
“His knowledge of the investment market is impressive. Thanks to Jorge, I found a property that has already produced excellent returns.”
“Jorge negotiated a much better price than we expected and was always available for our questions.”
Guides for first-time buyers
- Financing7 min read
How to Buy a House with an ITIN Number in California
Yes, you can buy a home in California with an ITIN. Learn how ITIN loans work, typical down payments, the documents lenders ask for, and how to avoid scams.
Read the guide - Financing7 min read
First-Time Home Buyer Programs in California & the Inland Empire
Compare first-time home buyer programs in California and the Inland Empire: FHA, CalHFA MyHome and ZIP, Dream For All, VA, CalVet, GSFA and county help.
Read the guide - Selling8 min read
How to Sell Your House in the Inland Empire: Step-by-Step Guide
Sell your Inland Empire home step by step: pricing, smart prep, California disclosures, comparing offers, escrow and seller costs, from a local Chino agent.
Read the guide
FAQ
Frequently asked questions
Who counts as a first-time home buyer?
For most programs, a first-time buyer is someone who hasn’t owned a home in the past three years, so you may qualify even if you owned a home long ago. Each program has its own definition, so check the specific rules.
How much money do I need to buy my first home?
Plan for a down payment, closing costs and some reserves. With low down payment loans and assistance programs, many buyers need much less than 20%. A lender can give you an exact estimate after pre-approval.
What credit score do I need to buy a house?
Requirements vary by loan type and lender. FHA loans are generally more flexible than conventional loans. If your score needs work, Jorge can connect you with resources to improve it before you apply.
Are there down payment assistance programs in the Inland Empire?
Yes. California’s CalHFA offers statewide assistance, Riverside County and some cities run their own programs from time to time, and nonprofit agencies serve San Bernardino County buyers. Funding, eligibility rules and limits change, so Jorge works with lenders who track what is currently available.
General information only, not lending advice. Loan programs, limits and availability change; confirm current terms with a licensed lender.
Ready to make your next move?
Talk to Jorge directly — no call centers, no pressure. 20+ years of experience, in English or Spanish.