Your Family's Legacy
Starts With One Conversation. You've Already Done the Hard Part.

You Don't Need 20% Down — Or Anywhere Close

Programs like CalHFA and Dream For All can cover your entire down payment — up to $150,000. We've closed deals for buyers who brought less than $5,000 to the table on a $400K home. The 20% myth is decades old. It benefits landlords, not you.

Down payment covered. Your savings stay yours.

$80K–$130K Income Is Exactly the Range These Programs Serve

Think you make too much? That income bracket is precisely who California designed these programs for. Household income — including a partner, a parent, everyone under the roof — is what counts. Most of our buyers are in the $80K–$130K range.

Your income doesn't disqualify you. It qualifies you.

580+ Opens FHA. 620+ Opens CalHFA. Most Buyers Are Already There.

FHA approves buyers at 580+. CalHFA works at 620+. If your score needs a 90-day push, we map that out with you. Most clients in the repair track reach qualifying range faster than they expected.

FHA at 580. CalHFA at 620. Conventional at 680.

Your Whole Family Is Welcome in This Process

Parents who want to sit in on every meeting? Good. A partner who asks a lot of questions? Great. In-laws who need everything explained in Spanish? We expect it. This decision belongs to your whole family — and Elizabeth gets that.

Familismo isn't an obstacle. It's the point.

The Garcia Family — "I Thought I Needed 20% Down"

Daniel Garcia grew up watching his parents renew lease after lease. Good jobs, good income — but every bank told them they needed more saved. When Daniel ran his own numbers with Elizabeth, he discovered he qualified for Dream For All as a first-generation buyer. His parents never owned. He does now. The cycle is broken.

Down payment fully covered. First homeowner in the family.

The Herreras — "I Wasn't Sure Our Income Qualified"

Jessica and Marco Herrera were both working — combined $110K — but after rent, childcare, and sending money to family, their savings felt thin. They assumed they made too much for programs and too little to buy without them. Elizabeth showed them they were exactly in the sweet spot. They closed on a Palmdale 3-bed with their parents at the signing table.

$110K combined income. Programs stacked. Family present at closing.

The Mendozas — "My Whole Family Was Part of This"

When the Mendozas came to Elizabeth, they brought everyone: the buyer, his wife, both sets of parents, and a brother who asked hard questions about every number. Elizabeth expected it. She walked the whole family through every program, every document, every decision — some in English, some in Spanish — until everyone felt confident. They closed with unanimous approval. It was the first home owned by anyone in either family.

Whole family at every meeting. Everyone agreed. They closed.

Sgt. Angela M. — Veteran, Zero Down

Angela knew VA loans existed but had been told the market was "too competitive" for VA buyers. With proper offer structuring, she closed on a home in Palmdale with zero down and no PMI. Her BAH covers the mortgage entirely. She is building equity instead of paying base housing.

$0 down. No PMI. BAH covers the payment.

The Morales Family — FHA + CalHFA Stacked

The Morales family made decent combined income — but after bills, childcare, and expenses, they had very little saved. By using FHA financing stacked with CalHFA assistance and qualifying on combined household income, they closed with minimal out-of-pocket. Their landlord had just announced a fourth rent increase. That was the last one they'd see.

Combined income. Minimal savings. Still closed.

You've Already Done the Hard Part.

Good income. Steady job. Family who believes in you. And somehow homeownership still feels like it's for someone else. That feeling is common — and it's wrong. The difference between renting forever and owning is one 15-minute conversation about programs you didn't know existed.