Loan officer Tyler Lombardo shares first-time homebuyer tips: budgeting, grants vs. DPA, pre-approval vs. pre-qual, seller concessions, credit score fixes, and stress-free closings.Loan officer Tyler Lombardo shares first-time homebuyer tips: budgeting, grants vs. DPA, pre-approval vs. pre-qual, seller concessions, credit score fixes, and stress-free closings.