I'm Tino. I've helped over 2,000 first-time buyers in Ventura County buy their first home. Here's everything you need to know.
I get it. Buying your first home is scary. You're about to spend more money than you've ever spent in your life.
Here's the truth: It's not as complicated as everyone makes it seem.
I've been doing this for 25+ years. I've helped over 2,000 first-time buyers in Ventura County. Most had the same questions you have right now:
3.5% with FHA (about $24,500 on a $700K home)
580+ gets you approved with FHA
Yes! Family can give you the entire down payment
30-45 days from offer to closing
Not a problem. Doesn't disqualify you.
If you have a job, decent credit (580+), and can save 3.5% down, you can buy a home. Let me show you how.
Here are your options as a first-time buyer. Most people do FHA or Conventional 3%.
Most popular for first-time buyers. Low down payment, flexible credit requirements.
$24,500 down on a $700K home
For veterans and active military. No down payment, no PMI, best rates.
$0 down on any price
Lower down payment option for buyers with good credit. PMI required.
$21,000 down on a $700K home
California first-time buyer programs with down payment assistance available.
Up to $10,000 assistance
Call me. I'll ask you 5 questions and tell you exactly which loan you should get. Takes 5 minutes.
(805) 393-6278Here's exactly what happens from "I want to buy a house" to "I own a house."
I'll check your credit, income, and debts. You'll know exactly what you can afford.
FHA needs 3.5%, Conventional needs 3%, VA needs 0%. Gift funds are allowed!
Work with a realtor to find the right house in your budget. I'll be here for questions.
Your pre-approval letter makes you a strong buyer. Sellers take you seriously.
I handle all the paperwork, order the appraisal, and get you to closing.
Sign the papers, get your keys, and move into YOUR home!
I've seen these mistakes cost people thousands of dollars. Don't be that person.
Solution: Check your credit 6 months before buying. Fix errors, pay down debt, boost your score.
Solution: Just because you CAN afford $700K doesn't mean you SHOULD. Leave room for life.
Solution: Sellers won't take you seriously without pre-approval. Get it BEFORE house hunting.
Solution: Don't buy a car, open credit cards, or change jobs during the loan process. Wait!
Solution: Banks only offer their rates. I shop 20+ lenders and bring you the best options.
Solution: Never waive inspections to win a bid. You could buy a money pit. Not worth it.
Use this calculator to see what your monthly payment would be. Includes taxes, insurance, and PMI.
Estimated Monthly Payment
$0
Hi, I'm Tino Montelongo. Buying your first home is exciting! I'll guide you through every step, from pre-approval to closing, and help you find the best loan program for your situation.
As low as 3% down
Step-by-step support
25+ years experience
Ready to get pre-approved in 24 hours?
No credit impact • Free rate quote