08/19/2026
Before transitioning into my role as a mortgage professional, my first experience with the housing market was as a first-time homebuyer.
At the time, I had limited insight into the complexities of securing home financing and mistakenly assumed the process would be straightforward.
Because my husband is a military veteran, we qualified for a VA loan program featuring a zero-down-payment option. Given the wide array of down payment assistance programs available to first-time buyers, we confidently anticipated minimal upfront costs.
While the zero-down-payment benefit was accurate, our loan officer failed to disclose or explain the structure of closing costs. Due to this lack of transparent communication, we were entirely unprepared at closing when we were required to bring nearly $7,000 in additional funds, despite having already deposited $7,000 into escrow.
This firsthand experience fundamentally shaped my professional philosophy. Today, I prioritize absolute transparency from our very first consultation—clearly outlining the roadmap, setting realistic expectations, and identifying the total capital required to close.
I strongly disagree with marketing campaigns that promise "zero out-of-pocket" home purchases, as home buyers will invariably encounter mandatory transaction expenses. These necessary costs include: Lender fees, third-party fees, Government Fees, and prepaid expenses.
Over the next few days, I will go over each of these fees and what they are for.
Don't get caught in a situation you're not ready for. Be prepared with the information you need. Let me help.
