Start with a comfortable payment
We will look beyond a maximum approval amount and consider taxes, insurance, possible HOA dues, utilities, maintenance, savings, and the expenses you carry today.
Who we serve · Single parents
Buying a Home as a Single Parent
A place for your family. A plan that works for you.
Whether you are a single mom or a single dad, buying your first home or starting a new chapter, you deserve clear answers and thoughtful guidance. I help single parents explore homeownership in Roseville, Rocklin, Sacramento, and beyond.
Your family, your goals, your next home
A home plan should make room for your real life.
Homeownership can be a powerful step for a single parent. It also has to work around childcare, work, school schedules, savings, and the ordinary moments that make up family life. We will begin with the life you want your payment to support.
Keep a clear view of upfront money
Down payment, closing costs, inspections, deposits, moving, and the emergency cushion you want to keep are all part of the decision.
Choose a home that supports your rhythm
Think about bedrooms, commute, school needs, maintenance, and whether a condo, townhome, or single-family home is the better fit for your next chapter.
Can you buy a home on one income?
Many single parents do. Qualification depends on documented income, credit, existing monthly debts, available funds, and the loan and property requirements. I will help you understand your purchasing power without treating a lender’s maximum as the right budget for your household.
If you receive child support or alimony, you can choose whether to have it considered as qualifying income. When you do choose to use it, documentation and program requirements apply. The CFPB explains that choice.
Loan paths worth exploring
Programs that can help turn a plan into a purchase.
There is no special mortgage reserved for single parents. There are, however, financing options that may help you lower the upfront barrier or match the way you are buying. We will compare the total payment, cash needed, and terms for your situation.
FHA Loans
FHA can be a helpful path for eligible buyers who want a lower down payment. We will compare mortgage insurance, property standards, and the full monthly payment before you decide.
Explore FHA loans
CalHFA Assistance
Eligible California buyers may be able to pair an approved first mortgage with down payment or closing-cost assistance. Assistance has its own rules and repayment terms, so we will review the full agreement together.
Explore CalHFA options
Solar + 100% Financing Conversation
Some eligible situations can use down payment assistance alongside an owned solar installation financed in the mortgage. That may cover a required down payment, though closing costs or other upfront expenses can still apply.
Explore solar financingA CONVERSATION THAT FITS YOUR LIFE
You do not have to figure this out alone.
Bring the questions that are on your mind, how much to save, whether one income can work, which home type makes sense, or when to start. I will give you a clear view of your options and a next step that feels manageable.
Support can be part of the plan.
A gift from an eligible family member may be allowed under the loan program’s rules. If a family member will contribute, ask before money moves so we can explain the documentation. A gift, a co-borrower, and shared ownership are different arrangements with different responsibilities.
If you are considering buying with a family member, explore buying a home with family. If you are preparing for a first purchase, the First-Time Home Buyer Hub gives you a step-by-step starting point.
A real homeownership story
A Roseville condo opened a door for one single mom.
A home does not have to look like anyone else’s dream to be the right one.
In my condo guide, I share a story about a single mom who used FHA financing to purchase a HUD-owned condo in Roseville. The property and transaction each had their own requirements, but the purchase created a home of her own.
For your family, we will compare the monthly payment, cash needed, property condition, and home type before deciding which paths deserve a closer look.
Read the condo guideQuestions worth asking
Clear answers for the questions you may be carrying.
Can a single mom or single dad qualify for a mortgage?
Yes. Many single parents buy homes in their own names. Qualification depends on documented income, credit, debts, available funds, and the loan and property requirements.
Do I need a co-borrower if I have one income?
Not necessarily. Many buyers qualify with one income. We will review the payment, debt, credit, and funds available to see which options fit your household.
Is there down payment assistance for single parents?
Single parents may qualify for available assistance programs. Eligibility and repayment terms vary, so we will review current options and the complete payment before you decide.
Can a family member help with my down payment?
Eligible gift funds may be allowed, depending on the loan program and donor. Ask before funds are transferred so we can explain the documentation.
Should I look at condos as well as houses?
Yes, if both could fit your needs. Compare the complete monthly payment, HOA obligations, maintenance, and property eligibility, not just the list price.
Start with the questions you have today.
Your first conversation can be about readiness, timing, a payment you are considering, or a home you have already found. I will meet you where you are and help you see what comes next.