I’m Dat Nguyen. I help first-time buyers in California and Texas buy their first home — with real numbers, plain English, and no jargon. No calculator games, no hidden assumptions. Here’s how this site works: start with the podcast, run your numbers in the calculators, and when you’re ready, start your pre-approval and I’ll run your exact numbers with you.
Start here
- Episodes — every episode of the First Time Home Buyer Pros podcast: FHA, VA, credit, down payment help, and the real numbers.
- Blog — the same topics with the full math: what a $700,000 house actually costs, every California down payment program, and what an FHA loan costs per month.
- Tools — calculators that show every line of your payment: affordability, mortgage payment, rent vs. buy, and rate buydowns.
- Down Payment Help — the programs that are actually open right now in California and Texas, with real numbers.
Run your numbers
Before you fall in love with a house, run the full payment — principal, interest, tax, insurance, and mortgage insurance. These calculators show every line, and they never hide the assumptions.
- Home Affordability Calculator — what price your income and debts actually support.
- Home Mortgage Calculator — your full monthly payment, line by line, for FHA, conventional, and VA.
The podcast
31 episodes, one topic each — the show I record for first-time buyers. Start with Episode 1: The Basics, or jump to the newest: Episode 29: When Is the Right Time to Buy Your First Home? and How Much House Can I Actually Afford?. See all 31 episodes — or listen on Spotify and Apple Podcasts.
About Dat
I’m a Certified Mortgage Advisor with Everyday Lending Group, NMLS #1379110, and I’ve spent two decades in real estate and lending. I work almost exclusively with first-time buyers — FHA, conventional, VA, bank statement loans, and down payment assistance in California and Texas. More about me.
Find your agent
Need a buyer’s agent who knows first-time buyers? Find a vetted agent through our partner Home&Money.
Talk to me
Call me at (714) 705-4013 or email dat@elendingteam.com — or reach the team at (949) 357-5029 / hello@fthbpros.com. Prefer to learn first? Join a free webinar — the next one is November 18, “Price Reduction or Seller Credit?”