YOUR FIRST HOME · CALIFORNIA

First-time homebuyer guidance in California

Understand your budget, compare mortgage options and take the next step with a team you can reach.

Plan your first home purchase Start an application

A clear plan before you start making offers

Your first home comes with a lot of firsts. Team Windes helps you understand how the financing works, what your payment could include and which documents to prepare. We work with first-time buyers throughout California, including Bakersfield, Kern County and Westlake Village.

Know your full budget

Look beyond principal and interest. Plan for property taxes, homeowners insurance, any mortgage insurance or HOA dues, closing costs and ongoing maintenance.

Compare real options

Conventional, FHA and, for eligible borrowers, VA financing can serve first-time buyers. We help you compare requirements and costs for your situation.

Prepare before the offer

A review of your income, assets, credit and debts can help establish a potential purchase range and identify items to address early.

Your homebuying roadmap

Start a conversation. Share your target area, timeline, comfortable payment and available savings.
Organize your documents. Gather the income, asset and other records requested for your program.
Review a pre-approval. Understand its conditions and what still requires review.
Shop with your real estate professional. Coordinate financing details before making commitments.
Review your loan terms. Compare the payment, closing costs and cash needed to close, then stay in touch through underwriting and closing.

First-time buyer questions

Is there one first-time homebuyer loan?

No. First-time buyers may use several mortgage types. Assistance programs, when available, have separate eligibility rules, funding limits and requirements. Ask us which options are currently available for your circumstances.

Do I need a property before I contact you?

No. Starting before you find a property can help you understand your options and documentation. A property-specific loan still requires the lender's review.

Does pre-approval guarantee financing?

No. Final loan approval depends on the conditions of the pre-approval, your financial circumstances, the property and underwriting requirements.

Compare loan programs · Read more mortgage FAQs

Let's make your next step clear.

Talk with Sasha, Todd or Tyler about your California financing plans. We will help you understand your options, documentation and next steps.

Contact Team Windes (800) 675-0819

All loans are subject to credit, property and underwriting approval. Programs and terms vary by lender and may change. This information is not a commitment to lend. Team Windes operates as a division of TYKY. Company NMLS #1048641 | CA DRE #01919683. Equal Housing Opportunity.

First-time homebuyer guidance in California

A clear plan before you start making offers

Know your full budget

Compare real options

Prepare before the offer

Your homebuying roadmap

First-time buyer questions

Is there one first-time homebuyer loan?

Do I need a property before I contact you?

Does pre-approval guarantee financing?

Let's make your next step clear.

Team Windes | Local Lenders Group

Contact Team Windes

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