First-Time Homebuyer
Your first home is closer than you've been told.
If you've been assuming you need 20% down, perfect credit, and years more saving — you've been talking to the wrong people. Let me show you what you'd actually qualify for. No judgment, no pressure, no dumb questions.
No credit pull. No obligation. I'll get back to you personally — usually the same day.
240+
Lenders competing for your loan
21,000+
Five-star reviews
John Kleopoulos
Mortgage Loan Originator · NMLS #2686219 · Backed by Loan Factory
YOU'RE NOT BEHIND
Nobody else has this figured out either.
Almost every first-time buyer thinks everyone else has this figured out. They don't. Nine out of ten buyers don't understand closing costs. Most think 20% down is a rule — it isn't. If you're not sure where to start, that isn't a sign you're not ready. It's a sign nobody's explained it to you yet. That's my job, and the conversation costs nothing.
Common Worries
The four things people think disqualify them
"I don't have 20% down."
You probably don't need it. Some first-time programs start near zero, many at 3%. The "20% down" myth keeps more people renting than almost anything else.
"My credit isn't great yet."
Then we likely start with FHA, built for exactly this. And if waiting would genuinely help you, I'll tell you honestly.
"I can't cover closing costs on top of the down payment."
Florida Housing, Hometown Heroes, and county programs can cover part or all of your down payment and closing costs. Most people who qualify never find out until someone checks for them.
"I don't even know where to start."
That's the job. I'll tell you exactly what to gather, what you qualify for, and what would strengthen your position. If the honest answer is "wait three months," I'll say that too.
How It Works
Why one bank's answer isn't the whole story
A single bank can only offer what's on its shelf, and it's quick to say no to a first-timer who doesn't fit its narrowest box. I put your file in front of 240+ lenders competing for it — so a "no" from one is the start of the search, not the end of it.
A
Doesn't fit their box
B
Reviewing your file
C
Program fits
Illustrative — outcomes depend on your full application.
FAQ
Questions people don't want to ask out loud
Will you pull my credit just to talk?
No. The first conversation is a conversation. Nothing gets pulled or submitted without you saying so.
Will I look stupid for not knowing any of this?
Never. Nobody's born knowing how a mortgage works. Asking is the smart move, not the embarrassing one.
Is the assistance money real, or is there a catch?
It's real, it has requirements, and most people who qualify don't find out until someone checks for them.
When should I reach out — now or when I find a house?
Now. The buyers who talk to me before they start looking are the ones who don't lose the house they want to a slow pre-approval.
What happens next
Here's exactly what happens next — nothing more
01
You reach out.
Form, call, or text — whichever's easiest.
02
I get back to you personally.
Not an assistant, not a queue. Same day.
03
We talk for 15 minutes.
No credit pull, no pressure, no judgment.
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