LPT First Home Advantage
A smarter path to your first set of keys
Your First Home May Be Closer Than You Think
Buy your first Bay Area home with a clear plan, expert representation, and a credit toward eligible closing costs or a lower interest rate.
*Credit provided by LPT Residential and calculated from the purchase price; use, lender approval, and maximums apply. Final wording subject to broker and lending-partner review.
See the credit in real dollars
A 50 basis point credit toward eligible closing costs or an interest-rate buy-down.
Purchase price
$700,000
$3,500
potential credit
Purchase price
$900,000
$4,500
potential credit
Purchase price
$1,200,000
$6,000
potential credit
Purchase price
$1,500,000
$7,500
potential credit
Purchase price
$2,000,000
$10,000
potential credit
What the program includes
The credit is the hook. This is the rest of what you get as a program member.
- Free first-time buyer strategy session
- Personalized purchasing-power analysis
- Down-payment assistance and grant screening
- Zero-down and low-down-payment option review
- Estimated monthly payment and cash-to-close breakdown
- Credit-improvement roadmap, if you aren't ready yet
- Off-market and coming-soon property alerts
- Home inspection and disclosure guidance
- Offer strategy built for competitive Bay Area listings
- Complimentary annual equity review after closing
- Trusted introductions to lenders, inspectors, insurance agents and contractors
See what you may qualify for in 60 seconds
Seven quick questions. No credit pull, no obligation.
Where do you want to purchase?
Think you're not ready?
Let's find out before you count yourself out. Straight answers to the questions that send buyers back to renting.
Do I need 20% down?
Often no. Many first-time buyers close with 3–10% down, and some programs allow less.
Can I buy with student loans?
Usually yes. What matters is your overall debt-to-income ratio, which we review with you.
What credit score do I need?
Several programs start around 620. If you're below that, we build a roadmap to get you there.
Can gift funds be used?
Frequently, for down payment and closing costs, with the documentation lenders require.
Are there zero-down options?
For some buyers and locations, yes. We screen those against your profile up front.
How much cash will I need at closing?
We give you a line-by-line cash-to-close estimate before you write an offer.
Can the seller help with closing costs?
Sometimes. Seller credits are negotiable and depend on the market and the listing.
What if I'm self-employed?
There are documentation paths built for self-employed income. We match you to lenders who do them well.
Does buying make sense compared with renting?
It's a numbers question. We put both side by side so you can decide with real figures.
What can I afford? (estimate, not a loan approval)
Preliminary range
$400,000 – $450,000
Potential 0.50% credit: $2,250
Your path to homeownership
Check your eligibility
Build your financing plan
Tour the right homes
Submit a competitive offer
Complete inspections & financing
Get your keys
“If you're renting because you think you need 20% down or perfect credit, don't count yourself out.”
Our First-Time Homebuyer Program helps you understand exactly what you qualify for, what your payment may look like, and which assistance options are available.
Top 1%
RealTrends recognition
240+
families helped with this program
Bay Area
local expertise
Stop guessing. Find out what buying could actually look like.
No pressure and no obligation — just a clear breakdown of your options, estimated costs and next steps.
The 0.50% credit is provided by LPT Residential, calculated from the purchase price, and applied to eligible closing costs or a rate buy-down. Lender approval applies.
The 2026 Bay Area First-Time Homebuyer Guide
Down-payment options, closing-cost estimates, credit-score basics, assistance programs, sample monthly payments, the purchase timeline, and the mistakes first-time buyers make most.