Your First HomeStarts Here
Buying your first home is one of life's biggest milestones. We specialize in helping California first-time buyers navigate the process with confidence—from understanding your options to getting the keys to your new home.
First-Time Buyer Specialists in California
Buying your first home in California can feel overwhelming. The state's competitive real estate market, high home prices, and complex lending requirements create unique challenges for first-time buyers. That's where we come in.
At Legend Realty, we've helped over 500 California first-time buyers achieve their homeownership dreams. We understand the local market, know which programs work best for different situations, and provide the hands-on guidance you need to succeed.
Whether you're looking for a starter home in the Inland Empire, a condo in Los Angeles, or a single-family home in the Bay Area, we have the expertise and lender relationships to help you find the right financing.
We explain everything in plain English—no confusing mortgage jargon.
Benefits for First-Time Buyers
We provide specialized support designed specifically for first-time home buyers in California's unique real estate market.
Low Down Payment Options
Access programs with down payments as low as 3% or even 0% for qualifying buyers. We help you find the right program for your financial situation.
Competitive Interest Rates
First-time buyers often qualify for special rate programs. We shop multiple lenders to find you the most competitive rates available.
Down Payment Assistance
California offers numerous down payment assistance programs. We help you navigate CalHFA, local grants, and employer programs.
Expert Guidance
Our team has helped hundreds of first-time buyers. We explain every step clearly and answer all your questions along the way.
Simplified Process
We break down the mortgage process into simple steps. No confusing jargon, just clear guidance from application to closing.
Education & Resources
We provide homebuyer education resources and can connect you with HUD-approved counseling to prepare you for homeownership.
First-Time Buyer Loan Options
Multiple programs exist to help first-time buyers purchase a home with less money down. We help you find the right fit for your situation.
Conventional Loans
As low as 3%Traditional mortgages with competitive rates. Ideal for buyers with good credit (620+) who want flexibility in loan terms and property types.
- 15, 20, or 30-year terms
- No upfront mortgage insurance
- PMI removable at 20% equity
- Primary or second homes
FHA Loans
As low as 3.5%Government-backed loans designed for first-time buyers with more flexible qualification requirements and lower credit score minimums.
- Credit scores as low as 580
- Higher debt-to-income ratios accepted
- Seller can contribute to closing costs
- Assumable loans
CalHFA Programs
Varies by programCalifornia Housing Finance Agency offers special programs for first-time buyers including down payment assistance and below-market rates.
- MyHome Assistance Program
- CalHFA ZIP Zero Interest Program
- School Teacher/Employee Assistance
- Combined with FHA or conventional
VA Loans
0% downAvailable to veterans, active military, and eligible surviving spouses. No down payment required and no private mortgage insurance.
- No down payment required
- No PMI ever
- Competitive interest rates
- Flexible credit requirements
Not sure which program is right for you? We'll help you compare options.
Compare Your OptionsHow to Buy Your First Home
We break the home buying process into clear, manageable steps. Here's what to expect when you work with us.
Free Consultation
We start with a no-obligation conversation about your goals, timeline, and financial situation. This helps us understand exactly what you need and which programs might work best for you.
Get Pre-Approved
We review your income, credit, and assets to determine how much home you can afford. You'll receive a pre-approval letter that strengthens your offers in California's competitive market.
Find Your Home
With pre-approval in hand, you can shop confidently. Your real estate agent helps you find the right property, and your pre-approval shows sellers you're a serious buyer.
Loan Processing
Once your offer is accepted, we handle the paperwork. We order the appraisal, verify documents, and work through underwriting while keeping you updated at every step.
Close & Get Keys
At closing, you'll sign the final documents, the loan funds, and you receive the keys to your new home. We make sure you understand everything before you sign.
California Down Payment Assistance Programs
California offers some of the best down payment assistance programs in the nation. These programs can provide grants or low-interest loans to help cover your down payment and closing costs.
CalHFA MyHome Assistance
Deferred-payment junior loan up to 3.5% of the purchase price for down payment or closing costs.
CalHFA ZIP Zero Interest Program
Zero interest rate loan for closing costs up to 3% of the first mortgage loan amount.
Local City/County Programs
Many California cities and counties offer additional assistance programs. We help you find local options in your area.
Documents You'll Need
Gather these documents to speed up your pre-approval process:
- Government-issued photo ID (driver's license or passport)
- Social Security card or ITIN documentation
- Pay stubs from the last 30 days
- W-2 forms from the past 2 years
- Federal tax returns (past 2 years with all schedules)
- Bank statements (all accounts, past 2-3 months)
- Investment account statements
- Gift letter (if receiving down payment help from family)
First-Time Buyer FAQs
Answers to questions we hear most often from first-time home buyers.
Have more questions?
View All FAQsReady to Buy Your First Home?
Take the first step toward homeownership today. Get pre-approved and find out how much home you can afford in California.