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Your Home Purchase Journey Starts Here

HOMEPURCHASE LOANS

Competitive mortgage rates. Conventional, FHA, VA & jumbo loans. Expert mortgage advisor support. Get pre-approved today!

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NMLS #293785

What you'll get

What you will get with a purchase loan

  • Competitive rates from our direct lending programs.
  • Expert guidance through the entire purchase process.
  • Fast pre-approval to strengthen your offer.

No commitment required · Free consultation

Purchase Loan Programs

Find the fit for your purchase — then get pre-qualified in minutes.

Conventional

Best for strong credit and flexible terms. Standard conforming purchase mortgage.

Term: 15–30 years
Down Payment: As low as 3%
Credit Score: 620+ typically required

Key Benefits:

  • Predictable fixed-rate payments
  • Down payments as low as 3%
  • Widely accepted by sellers
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FHA

Best for first-time buyers and flexible credit. Government-backed purchase loan.

Term: 15–30 years
Down Payment: As low as 3.5%
Credit Score: 580+ typically required

Key Benefits:

  • Lower down payment barrier
  • More flexible credit guidelines
  • Gift funds allowed for down payment
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VA

Best for veterans, active-duty service members, and eligible spouses.

Term: 15–30 years
Down Payment: 0% with entitlement
Credit Score: 580+ typically required

Key Benefits:

  • No down payment with entitlement
  • No monthly PMI
  • Competitive rates for eligible borrowers
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Jumbo

Best for higher-priced homes above conforming loan limits.

Term: 15–30 years
Down Payment: Typically 10–20%
Credit Score: Strong credit often 680+

Key Benefits:

  • Financing above conforming limits
  • Fixed and ARM options available
  • Built for larger purchase prices
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Mortgage Calculators

How Buying Works

1

Get pre-qualified

Know your budget and strengthen your offer. Free, no obligation.

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2

Shop with confidence

Search homes in range with a clear number in hand.

3

Make a stronger offer

Sellers take pre-qualified buyers seriously.

4

Close with guidance

We handle processing, underwriting coordination, and closing timeline.

Key facts about buying

  • Many borrowers qualify for FHA financing with as little as 3.5% down. HUD: FHA loans
  • Eligible VA borrowers may purchase a primary home with $0 down when entitlement supports it. VA: Home loans
  • Shopping multiple lenders and comparing Loan Estimates is a best practice recommended by the CFPB. CFPB: Shopping for a mortgage

Home purchase FAQ

Clear answers before you make an offer.

  • What down payment do I need to buy a home?

    It depends on the program. Many FHA borrowers qualify with 3.5% down. Eligible VA borrowers may purchase with $0 down. Conventional options can start around 3% for qualifying buyers. Closing costs are separate from the down payment.

  • Should I get pre-qualified before house hunting?

    Yes for most buyers. Pre-qualification helps you understand a realistic budget and shows sellers you are a serious buyer. It is free and does not require a hard credit pull for the online path we offer.

  • What is the difference between FHA, VA, and conventional?

    FHA is government-backed and often more flexible on credit at 3.5% down. VA is for eligible service members, veterans, and spouses and may allow $0 down. Conventional is not government-backed and can fit strong credit and varied down-payment scenarios.

  • How do I compare mortgage offers?

    Compare interest rate, APR, fees, and loan terms—not just the monthly payment. The CFPB recommends shopping multiple lenders and reviewing the Loan Estimate carefully before you lock.

  • Do I need perfect credit to buy?

    No. Different programs have different credit guidelines. FHA is often more flexible than many conventional paths. Get pre-qualified to see what fits your profile rather than guessing from a score alone.

  • How long does a purchase mortgage usually take?

    Timelines vary by program, appraisal, and underwriting. Many purchase loans close in several weeks once under contract. Your loan officer will give a timeline based on your file and the contract dates.

Ready to Buy Your Home?

Let's get you pre-qualified and on your way to homeownership. I'll help you find the perfect loan for your situation.

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