Whether it’s your first home or your fifth, we’ll match you to the right loan for your budget, timeline, and goals — with pre-approval in about 10 minutes.
A home purchase loan (or “purchase mortgage”) is financing used to buy a property — you make a down payment, and the lender covers the rest, which you repay over time with interest. The loan is secured by the home itself, meaning the lender has a right to the property if payments aren’t made. Purchase loans come in several forms — conventional, FHA, and VA are the most common — each with different down payment and credit requirements suited to different buyers.
Every borrower is different, but most purchase loans look at these factors:
You don’t need 20% down to buy. Here’s what’s actually available.
Conventional loans offer competitive rates for buyers with solid credit, with down payments starting around 3-5% for qualified borrowers.
Government-backed FHA loans allow lower credit scores and smaller down payments — a popular choice for first-time buyers.
Qualified first-time buyers can receive up to $10,000 toward down payment and closing costs through our First-Time Buyer Program.
Answer a few questions online or on a call with Bob — income, goals, and timeline.
A soft credit check and financial review gets you a real, underwriter-reviewed pre-approval letter.
Make offers backed by a real pre-approval — stronger than a pre-qualification letter.
Once under contract, we coordinate underwriting and appraisal to close on schedule.
Having these ready speeds up your pre-approval significantly.
Competitive rates, same-day pre-approvals, and a local team that answers your calls — from application to closing day.