See if you qualify for as little as 0% down — without affecting your credit.
Download the free First-Time Buyer Checklist and get a no-pressure 15-minute call with a loan officer licensed across nine states.
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If you've thought any of these — you're not alone.
I don't have 20% saved — am I even close to ready?
My credit isn't perfect. Will I get laughed out of the room?
Every loan officer I've talked to feels like they're selling me something.
A broker, not a banker.
No lender fees. Lower rates. More loan programs. Better service.
Most lenders are mortgage bankers — they sell you their one product. We're a mortgage broker, which means we shop hundreds of wholesale lenders to find the loan that actually fits you. Same outcome, completely different process — and the difference shows up in your monthly payment.
(Broker)
(Banker)
A free guide that does the actual work for you.
No fluff. No sales pages. Just the three things every first-time buyer needs to know before they ever look at a house — written by a loan officer who answers his own DMs.
The checklist takes 6 minutes to read. It'll save you weeks.
Buying a home is one of the largest financial decisions you'll ever make — and most first-time buyers walk in with the wrong information. This checklist puts you ahead of 90% of the people you'll be competing with.
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01
The credit score reality check
What you actually need (not the myth). Most programs start at 580. The "you need 720+" thing has talked thousands of qualified buyers out of even trying.
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02
The 5-document prep list
Pull these together once, save weeks later. Underwriting moves at the speed of your paperwork — be the buyer whose application takes 10 minutes, not 10 days.
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03
The 60-second affordability calc
Know your range before you start scrolling Zillow. Stop falling in love with houses you can't afford — and stop overlooking the ones you can.
Send it to me. I'll read it tonight.
Five fields. About 30 seconds. No credit pull, no obligation, no spam.
The first conversation is always on me — and it doesn't show up on your credit report.
- ✓ Personal reply from Mark within 24 hours.
- ✓ No credit pull until you decide to formally apply.
- ✓ Your info goes to Mark — never sold or shared.
- ✓ If I can't help, I'll refer you to someone who can.
Free First-Time Buyer Checklist
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Book a 15-Min Call →Stories from the last few weeks.
Real closings. Real situations where being a broker — instead of one bank — meant my clients got a "yes" they couldn't get anywhere else.
Most lenders would have classified this as an investment property — higher rate, 20%+ down. We used Fannie Mae's parent loophole, which lets adult children buy a primary for their elderly parents. Result: 5% down, primary residence rate, monthly payment hundreds lower than an investment loan.
Client had been denied by their big bank with the clock running. We picked up the file, ran it through different wholesale lenders with looser overlays than the bank, and got it to Clear to Close in 10 days. They went from "no chance" to keys in hand.
VA loan — $0 down, no PMI, competitive rate locked in for a buyer who earned it through service. Clean execution of a program too many veterans assume is harder to access than it actually is.
Many lenders force you to sell your current home before they'll approve a new mortgage. We structured a VA purchase that let this veteran move into the new home while still owning the old one. Two homes, zero scramble.
Hi — I'm Mark.
I'm a loan officer with Price Mortgage — a locally owned mortgage broker in Gilbert, AZ that's been recognized by Inc. 500 as one of America's fastest-growing companies and named a UWM Top 1% Certified Partner.
I've spent years helping first-time buyers and growing families across nine states become homeowners — many of them after being told by other lenders that they weren't ready. Working with a broker (instead of a bank) means I can shop hundreds of wholesale lenders to find the right fit for your specific situation — without lender fees.
My approach is simple: we talk through your numbers like adults, you ask whatever you want, and nobody pressures anyone.
Everything you might want to know before you fill out the form.
Will downloading this hurt my credit? +
How quickly will I hear back? +
Am I obligated to anything? +
What if my credit isn't great? +
What if I'm not buying in one of your 9 states? +
You can start the journey tonight.
One form. One free checklist. One real conversation with someone who answers his own messages.
Get My Free Checklist →