First-Time Homebuyers

Residential Lending Services

Your First Home Starts With Confidence

Buying your first home is an exciting milestone—and with Mayu Capital by your side, it doesn’t have to be overwhelming. We specialize in guiding first-time homebuyers through the process with clarity, care, and custom lending solutions that match your budget and goals. From understanding your loan options to getting pre-approved and closing on your new home, we’ll be there every step of the way.

What First-Time Buyers Need Most

We’ll help you understand the pros and cons, break down closing costs, and time your refinance for the greatest benefit.

Why Choose Mayu Capital

We provide trusted lending, tailored financial solutions, and exceptional service so you can move forward with clarity and confidence.

Proven Expertise

With over 17 years in residential and commercial lending, we bring experience, insight, and strategy to every loan we structure.

Local Insights

As a California-based agency, we understand the nuances of local markets while providing access to national lending solutions.

Tailored Options

From SBA loans to closed-end second mortgages, we offer a diverse range of products to meet your unique financial goals.

Client-First Approach

We prioritize relationships over transactions, delivering honest guidance and concierge-level service from start to finish.

Got Questions?

Most Commonly Asked Questions

At Mayu Capital, we’re here to make business financing simple and stress-free. Below are some of the most common questions about how our lines of credit work—and how they can work for you.

What credit score do I need to qualify?

Many first-time buyer programs allow for flexible credit standards. We’ll help you understand your options.

How much do I need for a down payment?

Some programs allow as little as 3% down. We’ll walk you through available low-down-payment and assistance programs.

What are closing costs and how much are they?

Closing costs typically range from 2% to 5% of the home price. We’ll help you budget accordingly and explore any credits or assistance available.

Can I get help with my down payment?

Yes, there are state and local programs that offer down payment assistance for eligible buyers. We’ll help you see what you qualify for.

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