You don't need 20% down or perfect credit to get started. Let's separate the mortgage myths from the facts and find a path to homeownership that fits your situation.
You may be closer to owning a home than you think.
First-Time
Homebuyers
MORTGAGES FOR
Start with a conversation. No full application required.
23+ Years
of Experience
100% Referral Business
The Woodlands,
Texas
300+ 5 Star Google Reviews
First-Time Homebuyer Myths - Busted
Buying your first home may be easier than you think. Let's clear up some common misconceptions.
Owned a Home Before?
Need 20% Down?
Credit Isn't
Perfect?
Short on Savings?
Not Sure Where to Start?
You may qualify again if you haven't owned a home in the past 3 years.
Not necessarily! Some programs allow as little as 3% down - or even zero.
You don't need perfect credit. Several programs offer flexible credit requirements.
Down payment assistance and eligible gift funds may help bridge the gap.
We can discuss your option before an application or credit check.
Explore Your Mortgage Options
There's more than one way to become a homeowner. Let's explore the financing solutions that may work for you.
USDA
Loans
Eligible Rural Areas
Down Payment Assistance
Help with costs
Mortgage Credit Certificate
Potential Tax Credits
A More Personalized Mortgage Experience
I'm Sonya Bersani, and for over 22 years, I've helped homebuyers navigate the mortgage process with confidence and clarity.
Buying your first home is an exciting milestone, but it can also feel overwhelming. Between credit requirements, down payments, closing costs, and understanding your financing options, there's a lot to consider. That's where I come in.
I believe the mortgage process should begin with a conversation, not a credit check. I'll take the time to understand your goals, explain your options in plain English, and help you develop a plan that makes sense for your financial future.
You don't have to have everything figured out before reaching out. That's what I'm here for.
No application or credit check required.
Loan Originator, NMLS 140571
Legend Lending - The Woodlands, TX
What Clients Are Saying
Frequently Asked Questions
Frequently asked questions
Our Location
2219 Sawdust Road Suite 301
The Woodlands, TX 77380
Monday-Friday 9AM - 5PM
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