Buying a home is typically the biggest purchase you'll ever make. So you want to go into it with your eyes wide open, knowing what to expect - and what to watch out for. Home-buying can often seem very complicated, but if you take it one step at a time, you could soon be holding the keys to your home.




Our approach is different than typical real estate agencies. We are focused on real estate education and wealth building while working to assist you - our clients with achieving your goals. At Blisss Life, you can purchase, sell, finance, and insure your most significant financial asset- your HOME.

We understand the First Time Home Buyer. We listen to your needs and challenges and finally meet those challenges with products, services, and resources unmatched in quality and functionality.

Our program consists of a simple 3-step process:


Educate- The homebuyer will learn how credit works and understand what mortgage lenders look for in a borrower.

Empower- Develop a strategic game plan to assist the homebuyer with overcoming credit and down payment challenges and preparing for a home mortgage. The game plan is unique and detailed to the individual buyer(s).

Execute- Our Realtors and Loan Officers will walk the homebuyer through the entire process from start to finish. We will work towards the goal of obtaining a mortgage loan to purchase your home.

First-Time Home Buyer Programs

Down Payment Assistance


The cost needed to purchase a home can seem overwhelming. Fortunately, there are several state and federal down payment assistance programs to help with your down payment and closing costs. 

Contrary to popular belief,  you DO NOT need a 20% down payment to purchase a home. You can obtain a mortgage with as little as 3% down. 

Not sure if you can cover your down payment. It's no problem to see whether you qualify for down payment assistance. Keep in mind down payment assistance is just that assistance you with some funds of your own.

Home Buyer Loan Programs

​​​​​​​Government Backed Loans

Government-backed loans can allow you to obtain a loan with a low down payment, less than perfect, or even poor credit.

These loans usually offer a slightly lower interest rate than conventional loans. We currently offer three government-backed loan options: FHA, VA, and USDA. Each loan program has its own unique set of guidelines.*

Conventional Loans


Conventional loans typically require a higher down payment, but some low-down conventional loans have income and location requirements. Conventional loans have their guidelines, which are substantially different from government-backed loans.

*Lenders have their own set of lender overlays on top of the standard guidelines. Buying a home is a deeply personal experience. Yours will not be the same as your friend or family member.

We are approved with 40+ wholesale lenders. Our mortgage broker will locate the best loan for your unique situation. Before you begin your home search, it is best to get pre-approved. Being pre-approved allows you to shop with confidence.

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