Watch: 8-Part Buyer Series

Don’t Just Read About It. Watch It.

Real talk, real steps, real support. My 8-video series breaks it all down — from pre-approval to closing.

 

Watch the Series Today!

First time buyer tool kit michelle esquivel homesmart evergreen realty monrovia

BUYER TOOLKIT DOWNLOAD

The Toolkit Every First-Time Buyer Deserves

 

Confused by all the moving parts? You’re not alone. That’s why I created a step-by-step toolkit with checklists, prep questions, and financial tips tailored for Southern California.

 

Highlights:
✔️ Budgeting breakdown
✔️ Must-ask Realtor questions
✔️ Timeline overview
✔️ Mistake-avoidance checklist

MORTGAGE CALCULATOR

Use our home loan calculator to estimate your total mortgage payment, including taxes and insurance. Simply enter the price of the home, your down payment, and details about the home loan, to calculate your mortgage payment, schedule, and more.
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Your mortgage payments over 30 years will add up to $0.

AFFORDABILITY CALCULATOR

Use this calculator to determine how much house you can afford. By entering details about your income, down payment, and monthly debts, you can estimate the mortgage amount that works with your budget.
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You can afford a home up to: $0
Your debt-to-income ratio is 36%
Quite affordable.
View Affordable Properties
Payment Breakdown：
$0 Month

Let’s Take the First Step Together

You Deserve a Calm, Clear Homebuying Experience

Hi, I’m Michelle — a Broker Associate with 14+ years of experience, and a deep love for helping first-time buyers. I’ve walked hundreds of clients through this journey and I’ve built this page with you in mind.

Certifications:
✔️ Accredited Buyer’s Representative (ABR®)
✔️ Negotiation training with Chris Voss
✔️ Certified Real Estate Investment Specialist

 

Michelle Esquivel Realtor HomeSmart Evergreen Realty in Monrovia 28 8 17

FAQs

What’s the first step to buying a home?

Start with a strategy call. 

I always recommend a 15-minute discovery call first — it’s where we talk about your goals, timeline, and any fears or questions you have.  From there, I’ll guide you to the right lender, prep you for approval, and build a custom plan that makes sense for you. You don’t have to figure it all out on your own — that’s what I’m here for.

How do I choose a good lender?

It’s not just about rates — it’s about communication.

A good lender explains things clearly, responds quickly, and structures your loan based on your lifestyle — not just your max approval. I work with trusted lenders who are excellent with first-time buyers and will take time to educate you, not pressure you. I’m happy to connect you with a few I personally trust.

What if I don’t have 20% down?

You don’t need that much. 

Most of my first-time buyers put down 3% to 5%, and some qualify for special assistance programs with 0% down. You might also be eligible for grants, credits, or loans that help cover your down payment or closing costs. Let's talk about what programs are a fit for you — I can guide you through it step by step.