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We've Helped 100's Of

First Time Home Buyers

See Who We've Helped Find Homes

I highly recommend USA Financial Consultants. All staff is professional, courteous and helpful. James Darby went out of his way to ensure our experience in buying a home was seamless. We were always given several options for any obstacles that may have come our way. Their kind and caring attitude towards myself and husband made me feel like family. Pleasantly surprised when a company gives 110% in order to give their clients the best experience possible.

  • Carole L.

James did a fantastic job helping us find a home in San Diego. We are out of state buyers and James was very organized and thorough in his suggestions of houses to look at in very short time frame. Over a two day period we were able to see many homes and after having our offer accepted James did an excellent job with the inspections and making sure everything would close in a timely manner. We back flew into town 11 days after our offer was accepted and James met us at our new home with the keys in his hand. James continued to help us with various resources after the sale closed and I’m sure would continue to help with any questions we have.

  • Stephanie.

We couldn’t have asked for a better realtor in buying our first home! We wanted to make sure we had someone we could trust and James was that person. He fought hard for us to get the home of our dreams and made sure we got a good deal. He was super responsive from the get-go and provided us all the answers we needed in our list of many many questions as a first time home buyer. Along with his excellent negotiation skills and deep knowledge in real state, James is a good person, very nice to work with and honest. Cannot recommend him high enough!

  • Cassandra C.

James and his team helped me and my wife patiently find a home that was just what we wanted. They are super helpful and really on top of things. I like that they use electronic signing for the housing process, it’s much quicker than the old way. I recommend them. Clean and professional office too.

  • Kevin M.

James is amazing to work with. He is very professional and really knows his business. We just closed on our home and we are so appreciative of how thorough he was before he submitted everything. This saved so much potential headache at the end. What we liked most about working with James is he never once told us what we qualified for during the pre-approval process, it was more about getting you into a home that you can actually afford. He knows all the ins and outs of the whole process which in turn made us feel at ease as this can be such an emotional process/life event. HE was top notch and we would highly recommend him!

  •  Tracy F.

I'm Here To Help You

James Darby

USA Realty & Financial Consultants is here to help you today with your VA Loans. We are going to make sure we provide you with the lowest rates for VA Loans. Our Process is quick and easy and can be even done through our website. We are the trusted source by 100 of different customers here in the San Diego area.

See if you qualify for a Loan!

Speak With Me Today And We Will Find Your

Dream Home Tomorrow

How much downpayment is need to get me my first home?

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What is the closing cost to buy my first home?

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Get Pre-Approved for My House purchase

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I would like to schedule an appointment

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Reach Out


Before creating your list of wants for your first home, ask yourself these questions:

  • Are you downsizing?
  • Do you need a big backyard or a simple patio?
  • How many rooms do you need?
  • Do you want a view?
  • How many levels are you looking for?
  • Do you want a pool?
  • Are there any special features you are looking for?

FHA Loans For First Time Home Buyers

An FHA loan is a great product for first-time homebuyers! This type of mortgage is insured by the Federal Government and will protect the lender from any losses that may occur if the home goes into foreclosure. The FHA loan program is more lenient when compared to other conventional loans because it doesn’t require a minimum credit score to qualify.

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