Home Story with Veronica (12-19-25) First-Time Home Buyer Guide: Credit, Loan Types & Smart Mortgage Tips

In this episode of Home Story with Veronica (aired 12-19-25), Veronica Rodriguez sits down with mortgage loan officer Leslie Silva to break down the real steps buyers must take before purchasing a home. This episode is a must-watch for first-time home buyers, move-up homeowners, and investors who want to understand pre-approval vs. pre-qualification, credit score requirements, debt-to-income ratios, down payments, and closing costs. Leslie explains the key differences between FHA, Conventional, USDA, and VA loans, how mortgage insurance works, and why underwriting and appraisals protect buyers rather than delay them. Viewers will also learn what mistakes to avoid while under contract, how credit and income are evaluated by lenders, and how smart preparation leads to confident, stress-free homeownership decisions.