Homes For Sale.
Low Down Payment.
Move fast when you find The One. Know your numbers and how much you can save before you start looking.
Book your free 30-minute
mortgage strategy session below.
Steven Quach
REAL ESTATE & MORTGAGE STRATEGIST
Expertise: 13+ Years Licensed, California Real Estate Broker
Impact: $100K+ in negotiated buyer & seller savings
Wholesale Loans: Sponsored by Loan Factory, Inc NMLS #320841
($16B+ volume | 45,000+ loans closed)
($16B+ volume | 45,000+ loans closed)
Your homebuying strategy session with Steven.
STRATEGY 01
Lifestyle & Asset Plan
- Are you buying alone, with a partner/spouse, or with a non-occupant co-signer?
- Will you use personal savings, family gifts, or do you need to sell your current home first?
- What are your must-haves and deal-breakers? (school districts, commute, resale value, appreciation potential, etc.)
STRATEGY 02
Financial Outlook
- What is your comfortable monthly payment versus the maximum the lender will approve?
- How do current rates, property taxes, insurance, HOA, and Mello-Roos affect your price range?
- Should you pay points to lower the rate, or take a credit toward closing costs with a higher rate?
- Exactly how much cash-to-close will you need?
STRATEGY 03
Zero to 3% Down
- Conventional/FHA: Programs requiring only 3% to 3.5% down.
- VA & USDA: Veterans or rural buyers may qualify for 0% down.
- Assistance: Grants and local help to cover your down payment or costs.
- Non-QM: As low as 10% down using bank statements, rental income (DSCR), or assets — great for self-employed borrowers and investors.
STRATEGY 04
Credit Pricing Levers
- Boost your credit score before applying to lower your rate and mortgage insurance (PMI).
- Your score isn’t pass/fail — it sets the price you pay. Small improvements can save you hundreds per month and thousands overall.
- FHA is flexible (scores as low as 500–580), but higher scores unlock better rates and lower mortgage insurance (PMI).
- Lenders look at the whole picture: credit, job history, and debt ratios all determine your leverage.
The Winning Strategy
Having a lender and real estate broker in your corner is your #1 step to identifying the right programs and optimizing your credit pricing before you start looking.
Ask how to negotiate with sellers, buyer agent commissions, and mortgage fees to maximize your savings. Calculate your real budget early, organize your approvals, and shop with total confidence.
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Let’s review your plan for buying a home.
Book a free 30-minute Mortgage Planning Session with Steven.
Client Success Stories
"Creative Strategies for Maximum Return"
"After 30+ years in our home, Steven sold it for maximum return using highly creative strategies. From staging to closing, he handled everything perfectly."
"Stress-Free Investment Purchase"
"Steven made my investment condo purchase seamless. He was patient and incredibly efficient with CMAs and comps, eventually negotiating a winning bid."
"Three Successful Deals & Counting"
"We’ve worked with Steven twice—he sold our first home while buying our second without any gaps. He is the best in the business."
"Patient and Efficient"
"I bought my first home right in the middle of wedding planning. Steven was incredibly patient and efficient, answering every question I had."
"Attention to Detail"
"The best service and attention to detail I've experienced. Thank you, Steven, for everything! Truly a professional who cares."
"Unmatched Dedication"
"Steven went above and beyond to make our first purchase stress-free. He explained everything clearly and was there for us every step of the way."