Julia Smith
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First Time Home Buyers

 

"Do I need 20% or more for a down payment?"
You don’t need 20% down.

Most of my first-time buyer clients put down far less. NC has several down payment assistance programs that can help — and I’ll walk you through exactly which ones you may qualify for.

"What is the home buying process?"
The process has more steps than most people expect.

Offer, inspection, appraisal, closing — each one has deadlines, decisions, and paperwork. That’s exactly why I created the free checklist below, so nothing catches you off guard.

"How do I calculate my monthly payment?"
Know your full budget — not just your mortgage payment.

Property taxes, HOA fees, homeowner’s insurance, and maintenance add up. I’ll help you look at the full picture so there are no surprises after closing.

My Ownership Journey

Now that you've heard my story, let's begin to work on YOUR story.

Click to get your free checklist

Have a question?
I can help.

Are you pre-approved for a mortgage?

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