Thinking About
Buying a Home?
Learn about first-time homebuyer options, financing, buying with family, and strategies that may make homeownership more achievable.
Eduardo Ledesma
Real Estate Consultant / Auctioneer
Realty ONE Group Future • DRE #01198626
Hablo Español
Buying Your First Home
Buying a first home usually begins with understanding your income, credit, monthly debts, available savings, and what monthly payment feels comfortable for you. Loan options and possible down-payment or closing-cost assistance programs vary by eligibility.
You do not necessarily need 20% down to buy a home. Certain programs may offer lower down-payment options or assistance depending on your situation. The important thing is to learn what options may be available for you. This is not a promise of qualification or a specific program.
I Want to Learn About First-Time Buyer OptionsCan Parents and Adult Children Buy a Home Together?
In some situations, parents and adult children may be able to purchase property together. Possible reasons include helping an adult child become a homeowner, combining financial resources, creating a multigenerational housing solution, or purchasing a property that may provide both housing and long-term investment potential.
Financing, ownership, occupancy, income, and legal considerations vary by situation. It is important to speak with a qualified lender and appropriate legal and tax professionals to understand what structure may work best for your family.
I Want to Learn About Buying With FamilyWhat About Buying a Duplex?
Instead of a traditional single-family home, some buyers may explore purchasing a duplex, living in one unit, and potentially having the second unit generate income. This concept is especially interesting for first-time buyers, parents and adult children, multigenerational families, and buyers interested in building real estate assets.
Keep in mind that the way rental income is treated and how you qualify for a loan depends on the loan program and lender. It is always a good idea to discuss your specific situation with a qualified mortgage professional.
Learn More About the Duplex StrategyYour Home-Buying Roadmap
You don't have to figure everything out before asking for help. The first step can simply be a conversation.
Want Help Understanding Your Options?
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While you're here, you may also want to explore:
Rent vs. Buy Calculator — Explore how renting and buying may compare based on your own numbers and assumptions.
Met Eduardo at the 4th Housing Forum in Vallejo?
Thursday, August 27, 2026
5:30 PM – 7:30 PM
Griffin Technology Academies Gymnasium
1 Positive Place, Vallejo, CA
Eduardo Ledesma
Real Estate Consultant / Auctioneer
Realty ONE Group Future • DRE #01198626
Hablo Español