Being a first-time home buyer can appear intimidating and frustrating. The initial down payment, closing costs, and mortgage rates all have large price tags attached and the many details of the loan application process can feel overwhelming. In April 2021, I worked with Realtor, Martin Estrada, to help two homebuyers purchase their first home for themselves and their infant daughter. Martin served as an educator, negotiator, and advocate for his clients. Despite the challenges in the real estate market, he prepared his clients for each step of the experience and ensured they would submit a sound offer. Martin also worked diligently to communicate with me as the lender. The HIP program provided the clients with the necessary financial support to secure their 3% down payment on a conventional loan and money towards the closing costs. With a Freddie Mac HFA Advantage, our clients were able to obtain favorable loan terms and look forward to canceling PMI when their ownership reaches 80% equity. Martin Estrada, the Nevada Housing Division, U.S. Bank staff, the Cardinal Financial lending team all provided expert guidance to ensure the loan documents were prepared, delivered and signed to close escrow on time.