Your journey to homeownership starts here with expert guidance every step of the way
Start with as little as 3% down with conventional loans or 3.5% with FHA loans. We'll help you find down payment assistance programs that can provide thousands in free money.
We guide you through exactly what documents you need and help organize your financial profile for the strongest possible application.
Get pre-approved quickly so you can make competitive offers. Our streamlined process typically takes 1-3 business days.
Buying your first home is one of life's most significant milestones, and Dani Mullaev understands that the mortgage process can feel overwhelming for newcomers. That's why he specializes in guiding first-time buyers through every step with patience, clarity, and expertise.
First-time buyer programs offer unique advantages including lower down payment requirements (as little as 3% with conventional loans), reduced mortgage insurance costs, and access to special grants and assistance programs. FHA loans are particularly popular among first-time buyers, requiring only 3.5% down with credit scores as low as 580.
Dani helps you navigate down payment assistance programs available in New York, New Jersey, and Florida, including state and local grants that can provide thousands in free money toward your purchase. Many programs offer forgivable loans, tax credits, or reduced interest rates specifically for first-time buyers.
The pre-approval process is crucial for first-time buyers in competitive markets. Dani ensures you understand exactly how much you can afford, what your monthly payments will be, and helps you get pre-approved quickly so you can make strong offers when you find the right home.
Education is key to Dani's approach with first-time buyers. He explains mortgage terminology, walks you through closing costs, helps you understand property taxes and insurance requirements, and ensures you're fully prepared for homeownership responsibilities.
Common first-time buyer mistakes include not shopping around for rates, skipping the home inspection, or not budgeting for closing costs and moving expenses. Dani's guidance helps you avoid these pitfalls and makes your first home purchase a smooth, successful experience.
We discuss your goals, timeline, and financial situation to create a personalized plan.
We guide you through gathering all necessary documents for your mortgage application.
Get pre-approved quickly with a strong letter that shows sellers you're serious.
Armed with pre-approval, you can confidently shop for homes within your budget.
We handle all the details to ensure a smooth closing and get you the keys to your new home.
Let Dani guide you through every step of becoming a first-time homeowner.