Your Journey Starts Here
Your First Home Is Closer Than You Think
Buying your first home doesn’t have to be overwhelming. Kyle & Team guide you through every step — from pre-approval to keys in hand — with patience, education, and expert support.
- Maryland First-Time Buyer Specialist
0%
Down Payment Options
580+
Min Credit Score
$50K+
Down Payment Assistance
$0
Upfront Credit Check
Feeling nervous? That’s completely normal.
We’ve helped hundreds of first-time buyers just like you. We understand the weight of this decision, and we’re here to walk you through everything, step by step, ensuring you feel confident and informed at every turn.
We Get It — Buying Your First Home Feels Scary
Let’s address the most common worries head-on with some real-world perspective.
“I don’t have 20% for a down payment…”
Reality: Most first-time buyers put down 3–5%. Some programs require 0% down. With generous assistance programs available, many buyers close with zero out of pocket.
“My credit score isn’t perfect…”
Reality: FHA loans accept scores as low as 580. We also help you improve your score before applying if needed — no judgment, just guidance.
I don’t understand the mortgage process…”
Reality: That’s exactly why we’re here. We use an education-first approach and explain everything in plain English. No confusing jargon.
“I’m worried about hidden fees and surprises…”
Reality: We show you ALL costs upfront before you commit. No surprises at closing — that’s our promise to you.
“What if I can’t actually afford it?”
Reality: We evaluate your REAL budget first — not just what you qualify for. We want you to thrive in your new home, not just survive.
“The market seems impossible right now…”
Reality: Markets always feel challenging. With the right preparation, pre-approval, and assistance programs in your corner, you’ll be ready to act when the right home appears.
Down Payment Assistance Programs
There are multiple programs that can provide $5,000–$50,000+ toward your down payment and closing costs. Many first-time buyers qualify for state and local grants that make homeownership possible sooner than expected.
What You’ll Actually Need
Let’s demystify the costs with a realistic breakdown for a $300,000 home purchase.
Down Payment Options
| FHA (3.5%) | FHA (3.5%) |
|---|---|
| Conventional (3%) | $9,000 |
| VA (0%) | $0 |
| Traditional (20%) | $60,000 |
Pro tip: Assistance programs and gift funds can often cover your entire down payment and closing costs!
Estimated Closing Costs
| Lender fees | $1,500–$3,000 |
|---|---|
| Title and escrow | $2,000–$3,500 |
| Appraisal | $400–$600 |
| Home inspection | $350–$500 |
| Prepaid taxes & insurance | $2,500–$4,000 |
| Typical Total | $7,000–$12,000 |
|---|---|
Pro tip: With the right offer and negotiation, the seller can cover the majority, if not all, of your closing costs!
Your First-Time Buyer Journey
From “I’m thinking about buying” to “I got the keys!” — here’s exactly what to expect.
01 Free Consultation
30 minutes
We review your business type and deposit history. No tax returns required - just a conversation about your cash flow.
02 Get Pre-Approved
1–2 days
We verify your income and issue a pre-approval letter. Now you can shop with confidence and sellers will take your offers seriously.
03 House Hunting
Varies
Work with your real estate agent to find THE one. We’re here if you have questions about any property’s affordability or eligibility.
04 Under Contract
Same day
Your offer is accepted! We lock your rate, identify applicable assistance programs, order the appraisal, and begin processing your loan.
05 Processing & Underwriting
21-30 days
We handle the paperwork. You may need to provide a few documents, but we make it easy with our online portal and dedicated support.
06 Closing Day!
1–2 hours
Sign the paperwork, get your keys, and become a homeowner! We’ll be there to answer any last questions and celebrate your success.
Ready to Start Your Homeownership Journey?
No pressure, no obligation. Let’s talk about YOUR situation and see what programs you qualify for.
- KYLE JESSEE LENDING TEAM
- MOVEMENT MORTGAGE
184 Duke of Gloucester St Suite 1B, Annapolis, MD 21401
NMLS #1212644 | Kyle.Jessee@movement.com
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