How to Buy Your First Home

First-Time Homebuyer Guide

Your Journey Starts Here

Becoming a homeowner has tremendous benefits both in your personal and professional life, especially for a first-time homebuyer. In addition to the pride of homeownership, wealth building, and tax deductions, owning your home also gives you an opportunity to build community in your neighborhood. Let’s get you started on your journey to homeownership!

Homebuying Benefits

Long-term stability

Tax benefits to owning

Build equity and wealth

Appreciating assets

Predictable monthly payments

A secure retirement

How We Add Value

Direct lender

Pre-Flight Program and 17-Day Close Guarantee

Robust technology

Wide variety of loan programs

Tools that help you make educated financial decisions (Mortgage Coach, Homebot)

What to Expect in the Next 30 Days

Get Pre-Approved

Complete your loan application through my Fluid App by uploading the necessary documents and signing disclosures on the platform.

Find Your Dream Home

Work with a real estate agent to find your dream home. They will help you determine your preferences and your dream home’s best features. Once you find “the one”, submit an offer. Once the seller accepts, you enter escrow.

Complete Inspections and Appraisals

The processor reviews the loan and requests additional documentation if needed. In this stage, the inspection and appraisal are performed. After they are both completed, your file is submitted to underwriting.

Underwriting Approval

Your conditional loan approval is now pending any final conditions and contingencies. You upload conditions for final loan approval, e-sign the closing disclosure, and review final loan terms.

Prepare for Closing

You sign loan closing documents with a mobile notary and wire your closing funds to escrow. After your loan funds and title records grant deed, you get the keys!

Move In!

Get ready to move into your new home! Make sure you have everything you need with our move-in checklist. Congratulations, you’re now a homeowner!

Hi! I’m Dustin Ngo

Loan Officer

NMLS# 2407115

Dustin Ngo is a detail-oriented mortgage professional focused on creating a simple, yet precise loan process through exceptional service, accuracy, and efficiency. Early in his career in the financial services industry, Dustin realized his passion for helping individuals with their financial needs. With customer service being one of his top priorities, Dustin was drawn to RWM’s ability to provide a more personalized and premium service to all of its borrowers.

Get In Touch

Apply, Upload, and Close – All with the Fluid App

Stay secure, stay connected, and let RWM guide you home with the convenience of the Fluid App. Designed for today’s lifestyle, it lets you manage your entire home loan process from your phone—anytime, anywhere.

SECURE DOCUMENT SCANNER

FAST & EASY PROCESS

REAL TIME LOAN UPDATES

Constant communication of needs and issues. Drafting of key documents in timely way. Friendly interactions and commitment to service.

Noah B.

Good communication, great staff and high level of professionalism.

James G.Company Name

The team was tremendously attentive to our every need and only had our goals and best interests in mind. Would work with them again anytime.

Brian S.Company Name

Everyone on the team was really professional, helpful and dedicated to make the whole process as smooth as possible. Whenever we had a question or concern, we always received a prompt reply.

Andriry K.Company Name

Extremely responsive, website was brilliant, clear list of what we needed and stayed on us until it was complete, knew who to send us to for tax transfer from our previous house. We will definitely refer our friends and family to RWM.

Kirk C.Company Name

The communication on the process and the ability to sign documents electronically was a life saver. The availability and speed of answers were great.

Angelina B.Company Name

You helped me understand all my options, which made me feel more confident in the decision I had to make. You were on top of everything that had to be done and kept things moving in an efficient way.

Julie M.Company Name

The team was easy to work with and willing to answer all of my questions. They even worked with a notary in North Carolina so I didn’t miss my vacation.

Melody T.Company Name

Everything was fully explained from the beginning, and I felt like we worked as a team when we went step by step in our journey of getting financed for our first home.

Ana E.Company Name

Buying a house can be overwhelming but when you have someone you trust it makes it so much easier. We felt assured that we were in good hands and that we would get to the finish line during the escrow process.

Cassandra C.Company Name

4.9

348 Reviews

4.96

7522 Reviews

5.0

166 Reviews