Your first home purchase comes with more questions than any other loan: how much down payment you actually need, what credit score qualifies, and what to budget for at closing. Dan's team walks through all of it before you ever look at a house.
Why start here
- Low down payment paths, including FHA and (for eligible Veterans) VA
- Down payment assistance and gift fund guidance
- A clear, step-by-step walkthrough of the process before you shop
- Help understanding closing costs and what to actually budget for
- A team that explains every document along the way
Where we help
- Lake of the Ozarks (primary)
- Whiteman AFB cluster
- Fort Leonard Wood cluster
- Jefferson City, Springfield, Joplin, St. Joseph
Frequently asked questions
How much down payment do I actually need?
It depends on the program. FHA can be as low as 3.5% for qualified buyers, and eligible Veterans may use VA with $0 down. We map your options before you make an offer.
What credit score do I need to get started?
Different programs have different floors, and lenders look at the full file. Call Dan's team with your current situation and we will tell you what is realistic right now.
What should I do first, get pre-approved or find a house?
Get pre-approved first. That gives you a clear budget and a stronger offer when the right home shows up.
Do you help with down payment assistance programs?
Yes. We review gift funds and assistance options that may stack with your loan program, then confirm what the property and lender will allow.