Direct: (949) 679-6680
Toll Free: (844) 839-2922
Mon-Fri: 8:30am - 6:00pm PST
Buying Your First Home? We Make It Possible.
Step-by-step guidance, down payment assistance programs, and tailored loan options from Red White & Blue Lending — Your Lender for Life.
As Low As 0% to 3.50% DownNo Credit Score Impact For Initial Quote
Need immediate assistance? Speak directly to a loan specialist at (949) 679-6680
Find Out What We Can Do For You
Whether you are ready to make your first offer or simply exploring options, RWB Lending has the tools and programs for your budget.
Featured
Purchase a Home
First-time buyer loans with flexible credit requirements, low down payments, and closing cost assistance.
Lower Your Rate
When mortgage rates adjust downward in future cycles, seamlessly refinance with your trusted RWB team.
2-4 Unit Complex
First-time buyers can purchase a 2-4 unit property with just 3.5% down and use future rental income to qualify.
The 4-Step First-Time Buyer Journey
We remove the guesswork and guide you from initial curiosity to keys in hand.
01
Complete Eligibility Funnel
Fill out the 2-minute questionnaire above with your preferred timeline and budget.
02
Review Loan Options
Compare FHA, Conventional, and assistance grant pathways tailored to your monthly comfort level.
03
Get Verified Pre-Approval
Receive an official pre-approval letter so realtors and sellers take your offers seriously.
04
Close & Move In
We coordinate with escrow and your realtor to close on time with zero hidden surprises.
- Down payment from 3.5%
- Flexible debt-to-income limits
- Co-signers permitted
Lowest Overall CostConventional (3% - 5% Down)
HomeReady & HomePossible
Fannie Mae & Freddie Mac programs designed for first-time buyers with competitive rates and cancellable mortgage insurance.
- Down payment as low as 3%
- PMI automatically cancels at 20% equity
- Applicable for condos and single-family
Military & Veterans
VA Home Loans (0% Down)
Active duty, veterans, and qualifying spouses can purchase with zero down payment and zero monthly mortgage insurance (PMI).
- $0 Down Payment required
- No monthly PMI charges
- Lowest average interest rates
What First-Time Buyers Say
★★★★★ 5.0 Star Rated on Google & Yelp
★★★★★
"Alex has been such a fantastic partner"
"Alex has been such a fantastic partner in helping me buy my first home! Through nearly 4 years, dozens of offers, and a crazy market he was always readily available to answer questions, explain competitive offer term options, weigh different lender/rate scenarios, and provide any info needed when super turnarounds were required. I didn't have an easy escrow process, but Alex was there throughout it all making sure the challenges weren't coming from our side. Could not recommend him more. Thank you Alex!!"
Amanda O.
First-Time Homebuyer
★★★★★
"A lender who truly puts their clients first"
"Alex was fantastic throughout our home loan process. He was always reachable, even during odd hours, and consistently responded quickly to our questions. He went above and beyond to help accelerate underwriting reviews, proactively followed up on outstanding items, and kept us updated every step of the way. His professionalism, knowledge, and dedication made the process much smoother and less stressful. I highly recommend Alex to anyone looking for a lender who truly puts their clients first."
Deepak N.
Homebuyer
★★★★★
"An absolutely amazing experience"
"Had an absolutely amazing experience with RWB Lending. I worked with Alex for over 2 1/2 years and through several pre qualifications. I always felt I had the lowest rates with 0 points when compared to other lenders and trust me, I compared other lenders. I was able to check in with him sporadically to see where rates were moving and what the market was doing. I always felt taken care of and I truly appreciate Alex's honesty throughout the entire financing process. I will most definitely be recommending RWB Lending to all of my family and friends. Thank you Alex!"
Anthony M.
Homebuyer
CONTACT INFO
Red White & Blue Lending
Tustin, CA 92780
LICENSING & COMPLIANCE
Orange County, California • Licensed Mortgage Broker