Your Partner in Homeownership
Buying your first home is one of life's biggest milestones. I'm here to guide you through every step—from pre-approval to closing day—with expertise tailored to the Delta region.
How I Help First-Time Buyers Succeed
First-time buyers face unique challenges—from navigating financing programs to understanding market conditions. I provide hands-on support throughout your journey, ensuring you make confident, informed decisions every step of the way.
Pre-Purchase Consultation
We'll meet before you start house hunting to discuss your goals, timeline, and budget. I'll explain the local market, help you understand realistic expectations, and provide guidance on selecting qualified lenders who specialize in first-time buyer programs.
- Budget planning and affordability analysis
- Guidance on finding qualified lenders
- Timeline development and milestone planning
Program Eligibility Assessment
Many first-time buyers leave money on the table because they assume they won't qualify for assistance programs. I'll evaluate which federal, state, and local programs you may be eligible for and help you navigate the application process.
- FHA, VA, USDA loan qualification review
- CalHFA and state program eligibility screening
- Down payment assistance program identification
Targeted Property Search
I'll curate property options that match your criteria, budget, and lifestyle needs. You'll receive personalized listings with insights about each property, neighborhood, and potential concerns—saving you time and preventing costly mistakes.
- Custom MLS searches based on your priorities
- Neighborhood insights and community profiles
- Coordinated property showings and walkthroughs
Market Analysis & Fair Pricing
Understanding property values is critical for first-time buyers. I provide comparative market analysis (CMA) for properties you're considering, helping you determine fair offers and avoid overpaying in competitive situations.
- Detailed CMA reports with recent comparable sales
- Price trend analysis and market timing guidance
- Appraisal insight to ensure financing approval
Expert Negotiation
Negotiating your first home purchase can be intimidating. I represent your interests throughout the negotiation process—from initial offers through counteroffers, inspection negotiations, and final terms—ensuring you get the best possible outcome.
- Strategic offer preparation and presentation
- Inspection and repair negotiation advocacy
- Contingency management and risk mitigation
Transaction Management & Closing Support
From accepted offer to keys in hand, I coordinate every detail—inspections, appraisals, title work, and closing documents. You'll always know what's happening, what's next, and what's required of you.
- Inspector and vendor coordination
- Timeline tracking and deadline management
- Closing document review and explanation
Why First-Time Buyers Choose Christine
No Pressure, Ever
This is your decision, your timeline. I provide guidance and information—never sales pressure. If a property isn't right, we keep looking.
Available When You Need Me
First-time buyers have questions—lots of them. I respond promptly to calls, texts, and emails, and I'm available for showings that fit your schedule.
Patient Education
Real estate has its own language. I take time to explain terms, processes, and documents in plain English, ensuring you understand every step.
Programs That Can Help You Buy
While I help you navigate the buying process, these federal and state programs can provide financial assistance. I'll help you determine which programs you may qualify for during our initial consultation.
Important Disclosure
The resources and program information provided on this page are for general informational purposes only. In accordance with the Real Estate Settlement Procedures Act (RESPA), I do not endorse, recommend, or receive compensation from any specific lender, mortgage company, or settlement service provider. You are free to shop for and select any qualified provider of your choosing. Program availability, terms, and eligibility requirements are subject to change. Please contact the administering agencies directly for the most current information.
A Few Words From Christine
After helping dozens of first-time buyers in the Delta, here's what I want you to know.
Don't Skip the Programs
I've seen buyers leave thousands of dollars on the table because they assumed they wouldn't qualify. The income limits are often higher than you'd think—many middle-class families qualify.
Get Pre-Approved First
Before you start house hunting, get pre-approved for a mortgage. You'll know exactly what you can afford, and sellers take your offers more seriously when you have financing lined up.
Work with Local Lenders
Online lenders might seem convenient, but local mortgage professionals know these assistance programs inside and out. That expertise often means smoother closings and better outcomes.
Start Early
Program applications, classes, and lender approvals take time. If you're thinking about buying in the next year, start exploring these resources now. Future-you will thank you.
Let's Start Your Homebuying Journey
Every first-time buyer I work with gets personalized attention from our first conversation through closing day and beyond. Whether you're ready to start searching or just exploring your options, I'm here to answer questions and provide guidance with no pressure or obligation.