NMLS #433696 | Licensed in CO & NV

First-Time Homebuyer Loans

Buying your first home is one of life's biggest milestones. Kensaku Shibata makes the process clear, manageable, and exciting.

Your Path to Homeownership

We review your credit profile and help you understand what loan programs you qualify for.

Receive your pre-approval letter so you know your budget before you start shopping.

Shop with confidence knowing your financing is in place. Work with a trusted real estate agent.

We guide you through the closing process and celebrate with you on move-in day.

As low as 3.5% down with flexible credit requirements — perfect for first-time buyers.

Only 3% down required for qualified first-time buyers with strong credit.

Colorado and Nevada offer programs to help first-time buyers with down payment and closing costs.

Zero down payment for eligible veterans and active-duty service members.

"As first-time buyers, we were nervous. Kensaku walked us through everything and found us the perfect loan program."

Maria & Tom L.

Colorado Springs, CO

Kensaku Shibata will guide you through every step — from pre-approval to closing day.