First-time home buyer loans · Aubrey & DFW

You don't have to find your way home alone.

I'm Jericho, your loan officer and your guide. I help first-time buyers across North Texas get into a home with less stress and a lot more clarity, because I know exactly what it feels like to need somewhere steady to land.

Start your first home purchase Hear my story

5.0 client reviews
NMLS #1868645

Jericho Kinyanjui, smiling loan officer with long blonde hair in a cobalt blue cardigan, photographed against soft green foliage

Since 2016 Processor, underwriter, and now your loan officer

Rooted in Aubrey, TX

A mother and her young child sit together on a bed surrounded by packed moving bins and stuffed animals

A hand holding a set of house keys in front of an open doorway into a bright home

Stability changes everything.

The story behind everything

I once needed a place to call home, too.

As a single mom, I experienced homelessness and moving around a lot, and I learned firsthand how that affects you and your child. When the opportunity came to work in the mortgage industry, I leaped, because I knew what it meant for a family to finally have a place that was truly their own.

This isn't a résumé, it's a calling. I don't just close loans. I open doors that were once closed to me, and I walk beside people in some of their biggest moments. Every plan I build is anchored in one lived truth: a stable home changes everything.

Read my full story

How we work together

You're the one making this move. I'm the one who's already made it.

Where you might be

Overwhelmed, and further along than you think

Maybe your credit needs work. Maybe you've been told no before. Maybe you're not sure you qualify for anything yet. None of that disqualifies you from asking.

Where I come in

Someone who knows this road from both sides of the desk

I've worked as a processor, an underwriter, and a loan officer. I know what happens to your file behind the scenes, and I use that to find a path forward when others said there wasn't one.

What you can count on, every time

Concierge care for the biggest purchase of your life.

A gray two-story home with a covered front porch, steps, and blooming shrubs in spring

The door opener

First home, fresh start, or a credit score that needs a second look. I look for the way in when others say there isn't one.

Two women laughing together over iced coffees at a wooden table in a sunny cafe

The warmth carrier

Mortgage can be a cold industry. I bring a lit fireplace. You won't just get information from me, you'll feel looked after from the first call to the closing table.

A young family hugging on the front steps of their new gray home with lavender in the yard

The loyal sister

I don't collect clients, I build relationships that last. Once you're in my circle, I show up for you long after the loan closes.

How I help

Built for first-time buyers, start to finish.

Buying your first home shouldn't feel like decoding a foreign language. I focus on first-time buyers, so every step is designed around the questions you actually have.

See all home loan options

Already own a home? I help with move-up purchases and refinances too.

A smiling couple in their kitchen reading a letter together with excitement

Signature service

Your first home purchase

From your first question to your final signature. We'll figure out what you qualify for, what your monthly payment could look like, and how to shop with confidence.

Learn more

Credit readiness coaching

Not ready yet? That's okay. We'll build a simple, judgment-free plan to get your credit where it needs to be.

Down payment guidance

Many first-time buyers put down far less than they expect. I'll walk you through the options and programs you may be eligible for.

Closing day and moving day

Clear expectations through underwriting and closing, plus my 60-day planner so nothing gets left behind when you move in.

Your path to keys in hand

Three conversations, not thirty forms.

I'll carry the complexity so you don't have to.

01
We talk, honestly

A real conversation about where you are, what you're carrying, and what "home" needs to look like for you right now.
02
I build your plan

Credit coaching if you need it, a clear picture of what you qualify for, and a plan with no jargon and no judgment.
03
You get your keys

I stay beside you through underwriting, closing, and the moment the door finally opens as yours.

See the full process

Kind words

From the people who made it home.

5.0 Rated five stars by past clients

It was easy to talk to Jericho and she was always available. Overall a great experience for our first home buy.

Paul R. First-time buyer

She is very warm, professional, great communicator and very thorough. My husband and I truly knew we were in great hands.

Stephanie A. Homeowner

Jericho was amazing. She seemed always two steps ahead and was just on top of everything throughout the process. Even the builder commented on how great she was.

Jason T. New construction

This is the second time we have worked with her. She makes sure we are aware of what is going on every step of the way. ROCK STAR!

Deborah H. Repeat client

She paid attention to details, followed up with me when she needed things, and always was there for my many questions.

Elizabeth K. Homeowner

She went out of her way, on her personal time, and beyond to help me out. This is the best customer service one could ever ask for!

Frank K. Homeowner

I was about to give up on trying to refinance. She listened to what I wanted and was with me throughout the entire process. She is a keeper!

Janet M. Refinance

On top of everything throughout the entire process and extremely communicative. We will be recommending her to everyone we know.

Brenna C. Homeowner

Rooted in Aubrey. Helping buyers all across DFW.

I live in Aubrey, so I know how fast our corner of Denton and Collin County is growing, and how exciting (and a little overwhelming) it is to buy here for the first time. Whether you're eyeing new construction in Celina or a starter home near the Denton Square, I'm local and I'm in your corner.

Aubrey
Pilot Point
Cross Roads
Providence Village
Little Elm
Denton
Celina
Prosper
Frisco
McKinney
Lewisville
Sanger

Explore North Texas communities

Tools for the road home

Free resources to keep you calm and organized.

Free printable

60-Day Home Buying & Moving Planner

A master checklist, a 60-day calendar, and daily journal pages that take you from contract to keys. Nothing gets left behind.

Get the planner

After you apply

The do's and don'ts that protect your approval

Watch your email for requests
Keep your current job and income steady
Send full copies of every document
Tell me if anything changes

Don't

Make large cash deposits or withdrawals
Buy a car or big appliances
Cosign for anyone's loan
Open new credit cards or accounts

Download the checklist

Browse all tools & resources

When you find me, wherever you find me, I want it to feel like someone just pulled up a chair, poured you something warm, and said: I see you. You belong here. You're going to be okay.

Jericho

Beyond the loan

A little more about Jericho.

I grew up in Phoenix and now call Aubrey home with my husband and our two poodles. When I'm not helping someone get their keys, you'll find me singing, out on a hiking trail, or on the porch listening to the birds at 6am.

My faith shapes how I treat people. My story shapes why I do this work. And my clients? They tend to become friends for life.

Get to know me