Your Journey
Buying Your First Home
Your first home is a milestone. We help you navigate every step — from understanding what you can afford to walking through the door with keys in hand.
An Overview
Buying your first home is one of the biggest financial decisions you will ever make — and it is normal to feel both excited and overwhelmed. Our loan officers specialize in guiding first-time buyers through the process with patience and clarity. From understanding how much you can comfortably afford to choosing the right program, preparing your documentation, and making a competitive offer — we are with you every step of the way.
Common Goals
- Understand what you can comfortably afford
- Identify programs that fit your situation (FHA, Conventional, USDA, VA, and more)
- Get pre-approved so you can shop with confidence
- Make a competitive offer in your target market
- Navigate inspection, appraisal, and closing with clarity
What to Expect
- A no-pressure conversation about your goals and timeline
- A clear explanation of programs, costs, and trade-offs
- Step-by-step guidance from pre-approval through closing
- Honest advice — even if that means waiting or adjusting
The Path Forward
Talk With a Loan Officer
Share your goals and timeline in a no-pressure conversation. We will help you understand where you stand.
Get Pre-Approved
We review your income, assets, and credit to determine how much you can comfortably afford.
Find Your Home
With pre-approval in hand, work with your agent to find a home that fits your goals and budget.
Close With Confidence
We guide you through inspection, appraisal, and final approval — then hand you the keys.
Recommended Programs
ConventionalConventional Loans
A flexible, popular option for buyers with solid credit and a steady down payment.
Learn more
GovernmentFHA Loans
Government-insured financing with flexible credit and low down payment options.
Learn more
GovernmentVA Loans
A benefit earned through service — zero down payment financing for eligible veterans and active military.
Learn more
GovernmentUSDA Loans
Zero-down financing for eligible rural and suburban homebuyers.
Learn more
Non-QMITIN Loans
A path to homeownership using an Individual Taxpayer Identification Number instead of a Social Security number.
Learn more
SpecialtyRenovation Loans
Finance the home and the improvements in a single loan — buy, renovate, and build equity.
Learn moreSpecialists in This Journey
Brett Roesch
Mortgage Loan Officer
Brett Roesch is a dedicated Senior Loan Officer and military veteran committed to helping families achieve the American dream of homeownership. With personal experience using VA benefits, he specializes in guiding servicemembers and local residents through the lending process in Washington and Oregon.
Michael Folger
Mortgage Loan Officer
Michael Folger is a Portland-based mortgage professional dedicated to empowering clients through transparent education and expert guidance. He focuses on simplifying the home financing process to help you make confident, informed financial decisions.
Angela Valdez
Operations Manager Mortgage Loan Officer
With over 16 years of experience, I am dedicated to helping families across Oregon and Washington achieve their homeownership dreams. As a Loan Officer and Branch Operations Manager at One Eleven Mortgage, I combine deep expertise with personalized care to ensure a seamless lending experience.
Keri Vincent
Mortgage Loan Officer
As a Loan Originator with One Eleven Mortgage, I am dedicated to providing clear, honest guidance to help my clients feel confident throughout their homebuying journey. I prioritize building lasting relationships and am committed to supporting you from our first conversation through to closing.
Next Step
Ready to Move Forward?
Connect with Kahren who understands this journey and can help you evaluate your options.