top of page
RHM Real Left_Flank Design.png

Full Life-Cycle Planning with “Major Life Events” Packages

First Home Package Banner.png

“Your First Home” Package

Make your first purchase a launchpad, not a liability.

Who this is for:

- First-time buyers who want a clear plan (not guesswork).
- Professionals balancing student loans, variable income, or complex taxes.
- Anyone who wants their first home to double as an asset (house-hack, room-rent, ADU potential).

What’s inside the package?

  • Readiness Audit & Budget Map: a cash flow snapshot and a personalized buy box (price, payment, and neighborhood targets).

  • Credit & DTI Optimization: strengthen your credit profile, reduce debt-to-income, and time the purchase for best approval odds.

  • Down Payment & Closing Strategy: options analysis across savings, gifts, assistance programs, and seller credits—plus a realistic closing-cost worksheet.

  • Mortgage/Loan Fit Analysis: fixed vs. ARM, points, lender credits with break-even timelines—so you don’t overpay House-Hack Scenario Planning (optional): 2–4 unit, room-rental, or ADU pro formas to accelerate equity growth.

  • Offer Game Plan: pricing strategy, concessions checklist, appraisal/inspection tactics, and negotiation scripts aligned Contract-to-Close Concierge: we coordinate lender, agent, escrow/title, and insurance through contingencies to funding.

  • 100-Day Homeowner Onboarding: post-close budget tune-up, maintenance calendar, and a 5-year equity/exit projection.

Deliverables

  • First-Home Playbook (PDF): buy box, budget map, timeline, checklist.

  • Loan Comparison Report with payment and total-cost analysis.

  • Down Payment & Closing Plan with funding sources and deadlines.

  • Offer & Negotiation Checklist (contingencies, credits, timelines).

  • House-Hack Pro Forma (if applicable) with rent comps and DSCR/coverage.

  • 5-Year Wealth Forecast: equity growth, refi and move-up scenarios.

Process

  1. Discovery & Numbers – intake + docs review to define your buy box.

  2. Approval & Strategy – pre-approval and loan fit; align property criteria to budget.

  3. Shop & Offer – targeted search, offer strategy, and negotiation support.

  4. Escrow to Keys – we manage milestones and keep everyone accountable.

  5. After-Close – 100-day tune-up and annual check-ins.

Why RHM Real?

We don’t just quote rates—we engineer your whole balance sheet. RHM Real blends financial planning, mortgage strategy, and real-estate execution into one plan so the payment fits your life today while the asset funds your next move tomorrow. We model sell-vs-refi-vs-HELOC, points break-evens, and ARM-vs-fixed scenarios against your cash flow, tax picture, and goals, then pair that with disciplined underwriting, reserves, and exit paths (refi windows, 1031 awareness, or debt paydown). On the ground, we coordinate with your lender, CPA, agent, and closing team, structure the offer, pressure-test the appraisal and inspection, and install the operating system—leases, screening, SOPs, and KPIs—so the property performs after the keys change hands. The result is a numbers-first, life-aligned plan: a payment you can breathe with now, and an asset designed to compound into the next property, the next opportunity, the next chapter.

Buying your first home? Not sure where to start? Let's change that...

Schedule a FREE ONE-Hour Consultation with Lucas Thomas.

RHM Real Right_Flank Design.png
bottom of page