First-Time Homebuyers & Down Payment Assistance
Your first home is closer than you think. Down payment help, grants, and low-down-payment programs can put keys in your hand sooner, for buyers who qualify.
First-time buyers ready to stop renting.
David M. Honda · National VP & Senior Loan Officer
Homeownership isn't a mystery. It's a playbook.
Buying your first home can feel like a rulebook you never received. I hand you that rulebook, explain every step in plain English (or Spanish) and stay in your corner from the first question to keys. Se Habla Español.
- 27States Licensed
- 5.0★111 Yelp Reviews
- NMLS# 1522058
- DRE# 02070171
How I Help
Whatever brought you here, there is a path to the front door.
First-time buyers who feel under educated. Self-employed borrowers whose tax returns shelter too much of their income. Families whose deal went sideways with another lender. This is the work I do best.
Veteran Loans
Thank you for your service! This loan is made for you. VA financing puts homeownership within reach with advantages no other program matches.
Active-duty, veterans, and military families.
FHA Loans
Flexible, forgiving, and built for real life. FHA opens the door for buyers with imperfect credit or limited cash. 100% Forgivable grants available for those who qualify.
Buyers with credit or limited cash challenges.
Self-Employed Loans
Your tax return shows that you wrote it off. These programs qualify you using alternative methods to create usable income.
1099 Business owners, 1120S, LLCs..
Investor Loans
From experienced to first time, financing that moves at the speed of your deal. Get qualified on the property and the vision.
Real estate investors at every stage.
Jumbo
Financing sized for high-value homes. Boutique underwriting that looks at your whole picture instead of rigid bank guidelines.
High-cost-market buyers.
- 27
- States licensed to lend
- 5.0★
- Rating across 111 Yelp reviews
- $150M+
- Loans funded
- 100s
- Loans closed
The Process
From the first call to the keys, Tried and True for over a decade.
The First Call
We talk, at no cost and no pressure. You tell me your goal and your worries, and I give you an honest read on where you stand and what is possible.
Your Playbook
I build a plan around your real numbers: what to save, which debts to pay down first, and any credit steps that can move your score before you ever apply.
Pre-Approval
Once the plan is in motion, we work toward a pre-approval so you can shop with confidence and make offers that sellers take seriously.
Under Contract
When you find the home, I go to work: paperwork, underwriting, and every deadline handled, with you updated at each step and no surprises at the table.
The Keys
We close, you get the keys, and I am still your lender for life: for the refinance question, the next move, or the friend who needs the same help you did.
In Their Words
A five-star reputation, earned one family at a time.
★★★★★
“There's a reason Mr. Honda has 5-star reviews. He's the best in the industry. No one works as hard to earn and keep your business. If you need a lender, make David Honda your first and last call.”
★★★★★
“When your back is against the wall, David and his team are exactly who you want in your corner to get your loan across the finish line. David doesn't just process loans, he guides you.”
★★★★★
“He put our application together that night and made a plan for us. Twelve months to the date we met, we closed on Valentine's Day. David will tread through the thickest mud to make buying a home possible.”
★★★★★
“This man fought so much for my family to have our first home. He does all the stressing for you. To top it off, he even picks up a phone call at 1am for any questions or concerns.”
★★★★★
“Everyone warned us the loan process would be the worst part of buying a home. Not with David. He made it quick, easy, and painless, and kept us on track the whole way.”
★★★★★
“His speedy skills took over a client's disastrous loan approval and got the buyer back on track to closing all within 15 days. David is a fantastic lender who gets it done.”
The Book
He wrote the playbook. Literally.
Qualified turns years of real client stories and mortgage information into a clear, step-by-step guide for getting mortgage-ready, whether your closing date is next month or a couple of years away.
Let's talk about your front door.
Every good loan starts with a conversation, and this one is free. No pressure, no jargon, no obligation.