I focus my networking and marketing primarily to my "Best Client", being the small business owners and Professionals.  My referral network tends to alos service these segments. These are the people that I am familar with handling and working from past work.  Now that the Real Estate market has a majority of First-time Home Buyers, I still market to this segment,However, I don't limit my offering services just to them.  I will help any referral that is presented to me.

I have been getting many First-time home buyers that have heard or researched online about the Down Payment Assistance Programs.  Well free sounds good but usually there is a lot of effort that the borrower must do prior to getting these type loans.  If after thoroughly reviewing their file and their financial situation, I do often suggest that  these programs might not be to their best interest and seek other programs such as the Low Down payment programs.  If the borrower is best suited to go the DPA route, then I will suggest and assist them with these programs.