I’m Dat Nguyen, a mortgage loan officer who works almost exclusively with first-time home buyers. I’m a Certified Mortgage Advisor with Everyday Lending Group, NMLS #1379110, and I’ve spent two decades in real estate and lending.
My job isn’t just to get people approved. It’s to help you understand the why behind the numbers, the rules lenders don’t explain well, and the mistakes that cost buyers time, money, and their dream home. I don’t believe in jargon or fear-based sales. I believe in clear explanations, honest conversations, and real numbers you can check.
Why I built FTHB Pros
I kept meeting first-time buyers who had done everything right — saved the money, kept their credit clean, found the house — and still felt lost, because nobody had explained the process to them in plain English. So I started this site and the podcast to fix that. This site exists so you can walk into the home-buying process informed, prepared, and in control.
Everything here is the stuff I actually tell my own clients: what a payment really looks like with tax, insurance, and mortgage insurance included; which down payment programs are actually open right now; and what your credit score really needs to be. No calculator games, no hidden assumptions.
What I do
- First-time buyer loans — FHA, conventional, and VA loans, including low-down-payment options.
- Down payment assistance — CalHFA MyHome and ZIP, GSFA Platinum, and Texas programs (TDHCA and TSAHC).
- Self-employed buyers — bank statement and P&L loans for buyers whose tax returns don’t tell the whole story.
- Credit guidance — what actually moves a mortgage score, and what to fix before you apply.
Talk to me
Call me at (714) 705-4013 or email dat@elendingteam.com. You can also reach the team at (949) 357-5029 or hello@fthbpros.com. Start with the podcast, run your numbers in the affordability calculator, or join a free webinar — and when you’re ready, start your pre-approval.
Dat Nguyen, Certified Mortgage Advisor · NMLS #1379110 · Everyday Lending Group