First-time buyer specialist · Coastal Carolinas
Your first front door, explained in plain English.
Jordan Ellery helps first-time buyers understand FHA, conventional and down payment help, one honest step at a time.
A roadmap, not a pitch
A six-step plan from first question to keys, with the documents you'll need at each stop.
Down payment help, checked
We look at state and local assistance programs you may qualify for before you pick a loan.
Answers by text
Ask anything between showings. Plain answers, usually the same day.
How it works with Jordan
A clear route from first question to closing day.
- 1Talk about goals
- 2Check credit and budget
- 3Get pre-approved
- 4Shop with your agent
- 5Lock and close
- 6Get your keys
Loan programs
“I picked Tidewater on a Tuesday night, filled in the onboarding form, and my first-time-buyer pages read better than anything I could have written myself.”
Common questions
How much do I really need for a down payment?
Less than many people think. FHA loans allow as little as 3.5% down for qualifying borrowers, and some conventional programs allow 3%. Closing costs are separate, and assistance programs can sometimes help with both.
Is FHA only for first-time buyers?
No. FHA loans are open to repeat buyers too. They are popular with first-time buyers because the credit and down payment guidelines are more flexible.
How long does pre-approval take?
Usually a day or two once your documents are in. You'll get a letter you can share with your agent and sellers.