Buying Your First Home

Your Journey Starts Here...

Becoming a homeowner has tremendous benefits both in your personal and professional life, especially for a first-time homebuyer. In addition to the pride of homeownership, wealth building, and tax deductions, owning your home also gives you an opportunity to build community in your neighborhood. Let’s get you started on your journey to homeownership!

Hi! I'm Dustin Ngo, Loan Officer

NMLS ID #: 1748088

Dustin Ngo is a detail-oriented mortgage professional focused on creating a simple, yet precise loan process through exceptional service, accuracy, and efficiency. Early in his career in the financial services industry, Dustin realized his passion for helping individuals with their financial needs. With customer service being one of his top priorities, Dustin was drawn to RWM’s ability to provide a more personalized and premium service to all of its borrowers.

Get in Touch

5 STAR SERVICE! Working with Dustin was a great experience! This was my first home purchase and Dustin made sure everything ran smoothly and was in constant communication to make sure I understood where we were in the process and that all of my questions…

Brian G.

Dustin had a quick response to my text or email Saturday and Sunday included! The realtors loved him as he communicated quickly with them through the process, he kept them updated as we worked through my qualifying for the loan. He smoothed over ruffled feathers…

Kevin M

Dustin was very involved from the beginning to the end. He answered my call/ text messages and always went above and beyond to answer my questions. He did a great job explaining my options and was with me every step of the way. Overall I…

Daniel S.

Benefits for a First-Time Homebuyer

Long-term stability
Tax benefits to owning
Build equity and wealth
Appreciating assets
Predictable monthly payments
A secure retirement

How We Add Value

Direct lender
Pre-Flight Program and 17-Day Close Guarantee
Robust technology
Wide variety of loan programs
Tools that help you make educated financial decisions (Mortgage Coach, Homebot)

What to Expect in the Next 30 Days

Get Pre-Approved

Complete your loan application through my Fluid App by uploading the necessary documents and signing disclosures on the platform.

Find Your Dream Home

Work with a real estate agent to find your dream home. They will help you determine your preferences and your dream home’s best features. Once you find “the one”, submit an offer. Once the seller accepts, you enter escrow.

Complete Inspections and Appraisals

The processor reviews the loan and requests additional documentation if needed. In this stage, the inspection and appraisal are performed. After they are both completed, your file is submitted to underwriting.

Underwriting Approval

Your conditional loan approval is now pending any final conditions and contingencies. You upload conditions for final loan approval, e-sign the closing disclosure, and review final loan terms.

Prepare for Closing

You sign loan closing documents with a mobile notary and wire your closing funds to escrow. After your loan funds and title records grant deed, you get the keys!