Everything first-time buyers in Los Angeles need to know — down payments, loan options, neighborhoods, and how to compete in the toughest market in America.
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— Shiva Tamara
What's inside
The LA Home Buyer's Playbook covers:
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How much you actually need to buy in LA
The real numbers — not the myth. Most buyers need far less than they think.
💰
Down payment programs available in 2025
FHA, conventional, CalHFA, and down payment assistance programs specific to LA County.
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How to calculate your buying power
A simple formula that tells you your exact price range based on income and debts.
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Best neighborhoods by budget
Beverly Hills, Silver Lake, Culver City, and more — matched to what you can actually afford.
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How to compete with cash offers
Strategies financed buyers use to win in LA's competitive market.
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Step-by-step buying timeline
From pre-approval to keys in hand — what happens, when, and what you need to do.
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Shiva Tamara Mettke Nelson
Licensed RE Agent + Mortgage Loan Originator · Beverly Hills Financial Group
I'm a dual-licensed real estate agent and MLO based in Beverly Hills, CA. I work with first-time buyers and luxury investors across the LA area. My dual license means I can handle both your home search and your mortgage — saving you time, money, and the headache of coordinating between two separate people.