First-time buyers
Down payments, pre-approval, competitive offers — Nita Sheth walks first-time buyers through the entire process, so you know exactly what to expect at every step.
Your first home
The Bay Area's competitive market makes the usual first-time buyer questions — how much can I afford, what's pre-approval, how do offers actually work — feel higher-stakes. Nita specializes in walking first-time buyers through the entire process step by step, so you go into every offer with a clear head, not just crossed fingers.
From first conversation
to keys in hand.
Nita starts every first-time buyer relationship with a free, no-pressure consultation to understand your budget and priorities, then connects you with a lender for pre-approval before you start touring. From there, she handles neighborhood research, showings, offer strategy, inspections, and closing — walking you through what's happening and why at every stage, so nothing feels like a surprise. For a fuller breakdown of what to expect, see her full buying guide.
Book a free consultation with Nita — a Top 3% Bay Area agent (SCCAOR 2025).
Book a Free Consultation →Buying Your First Bay Area Home questions
Less than you might think — 20% avoids private mortgage insurance (PMI), but many first-time buyers purchase with considerably less down using conventional, FHA, or other loan programs. Nita's lender partners can walk you through what fits your situation.
Start with a free consultation to talk through your budget and goals, then get pre-approved with a lender before touring homes. In this market, sellers expect a pre-approval letter with any serious offer.
Often, yes — but Nita helps first-time buyers structure competitive offers strategically, without requiring you to overextend financially just to compete.
The initial consultation is completely free with zero obligation. In most traditional transactions, buyer-agent commissions are covered by the seller, and Nita will explain the current structure clearly before you commit to anything.
That's a common starting point for first-time buyers. Nita can walk you through trade-offs across the cities she serves — commute, schools, price point — to help you narrow it down.