If you’re like most people thinking about buying a home in Walnut Creek, the East Bay, or anywhere in California, you may assume that you need to save up hundreds of thousands of dollars to get started.

That’s simply not true.

I’m Brendan Moran with Five Star Real Estate, and I’m here to tell you that buying a home might be more affordable than you think—especially with the right guidance and the right lender.

The Myth: You Need a Massive Down Payment

Too many would-be buyers delay their homeownership dreams because they believe they need a 20% down payment saved up. In the Walnut Creek real estate market, that could mean putting aside $200,000 or more—and for most people, that’s just not realistic.

But here’s the truth: you can buy a home with as little as 3% to 3.5% down, and in some cases, even 0% down.

The Reality: Loan Programs & Grants Are Available

There are a variety of loan programs, first-time buyer incentives, and even down payment assistance grants that can help you purchase a home in California without draining your life savings. Some of the most common include:

• FHA loans: Require as little as 3.5% down

• Conventional 97 loans: Allow for 3% down

• VA loans (for veterans): Often require 0% down

• CalHFA and other California-specific programs: Offer grants or deferred-payment second mortgages

Every buyer’s situation is different, and that’s why it’s essential to speak with a local, experienced lender who knows which programs you qualify for.

Why It’s Easier with the Right Team

At Five Star Real Estate, we’ve helped hundreds of buyers throughout Walnut Creek and the greater East Bay get into homes they thought were out of reach. Often, it starts with a simple conversation.

We’ll:

• Connect you with a trusted local lender

• Help you determine how much home you can afford

• Identify loan programs or grants that fit your financial situation

• Guide you through every step of the process—from pre-approval to closing

Don’t Wait—Get Started Today

You don’t have to keep wondering if you’ll ever be able to buy a home in California. If you’re renting or sitting on the sidelines, there are real options available right now—even in a competitive market like Walnut Creek.

Message us today and schedule a quick consultation. We’ll help you take the first step toward buying a home—without the guesswork or overwhelm.