Most agents build for people ready today. I built this for everyone else.
If your credit starts with a 5 or a 6 and you've saved nothing, you are exactly who this page is for.
I thrive helping people who aren't quite there. It's the part of the job I'm best at, and it's the part almost nobody advertises, because there's no commission attached to it for a year or two.
What actually happens is this: we work out where you stand, I connect you with vendor partners who can move the fixable parts, and then I hand-hold through it until buying a house stops being a hypothetical.
Nobody here is going to make you feel stupid for asking. I've had this conversation hundreds of times and it has never once been embarrassing on my side of it.
Depends entirely on what's in the way. You'll know which end you're on after one conversation.
Six steps, and none of them cost you anything.
One honest conversation
Where you are, what you earn, what you owe, and what's worrying you. Thirty minutes, no cost, no obligation.
A lender who'll take the call
Not to sell you a loan today, to tell you what would need to change and by how much.
The fixable list
Usually three or four specific items. Collections, utilization, a disputed account, a savings target.
The people who fix them
Credit counselors, assistance program specialists, and anyone else in my network who's useful.
Check-ins, on a schedule we agree
I'll follow up when we said I would. Not weekly, not never.
The day it's a yes
Then we go and look at houses, and you'll be ready for every part of it.
The people who do the fixing are on the vendor partners page.
The ones people apologize for
My credit score is 590. Should I even be talking to you?
Yes, and earlier is better. A 590 is a fixable number, and the things that move it usually take three to nine months. If you wait until you feel ready, you lose that runway. Nothing about a first conversation commits you to anything.
I have nothing saved for a down payment. Is this pointless?
No. Maryland and Pennsylvania both run down payment assistance programs, and several loan products need far less than the twenty percent people assume. Let's find out what you'd actually need before you decide it's out of reach.
How long does it usually take to get ready?
It depends entirely on what's in the way. Some people are three months out and don't know it. Others are two years out and need a real plan. Either way you'll leave the first conversation knowing which one you are.
Will you stop calling me if I say I'm not buying this year?
I'll check in when we agreed I would and not otherwise. Seven years of business from referrals only works if people don't dread hearing from me.
Say 'I'm not ready' and I'll take it as a good sign.
Two years early beats two years late.
Every buyer I've helped who started before they were ready got there faster than the ones who waited until it felt safe to ask.