Purchase

Buying a home

We shop purchase loans across our lender panel to find the program that fits your goals, timeline, and finances — not the one program a single retail lender happens to push.

Eyes wide open. You should know every number on your loan estimate before you sign — not after. A purchase is the biggest financial move most people ever make; the math shouldn’t be a surprise.

Program categories we originate

Conventional

The standard “conforming” loans that follow Fannie Mae or Freddie Mac guidelines. Down payments commonly range from 3% to 20% depending on program and borrower profile.

FHA

Federal Housing Administration-insured loans, designed for accessible homeownership with lower down payments and more flexible credit requirements. Mortgage insurance applies.

VA

Loans backed by the U.S. Department of Veterans Affairs for eligible active-duty service members, veterans, and surviving spouses. Zero-down financing available for qualifying borrowers.

USDA

For homes in eligible rural and suburban areas, USDA loans offer low or no down-payment financing to qualifying borrowers.

Jumbo

For loan amounts above the conforming limit in your county. Different underwriting and down-payment expectations than a conforming loan.

Non-QM

For borrowers whose income documentation, employment, or property doesn’t fit standard programs — bank-statement, DSCR investor, and asset-utilization programs, subject to lender availability.

Temporary buydowns (2-1, 3-2-1)

A structured payment reduction for the first one to three years of the loan, typically paid for by the seller as a credit. Can lower initial monthly payments while you settle into a new home. Availability and structure vary by program and lender.

What to expect

Get pre-approved. We review your income, assets, and credit, and issue a pre-approval letter so you can shop with confidence.
Find your home. Your Realtor or you find the property; we lock rates when you’re ready to go under contract.
Underwriting and appraisal. We coordinate with the lender, title, and appraiser. We keep you in the loop.
Conditions cleared. Underwriting flags what still needs to be documented; we help you clear each condition promptly.
Clear-to-close. The lender issues the go-ahead. We schedule closing.
Closing. You review the Closing Disclosure at least three business days before signing (federal TRID rule), then sign and get the keys.

Ready to start with a pre-approval?

Talk to a licensed Loan Advisor. No pressure, just a real look at your numbers.

Talk to a Loan Advisor

This is not a commitment to lend. Program availability, eligibility, pricing, and terms vary by lender, state, loan program, and borrower qualification, and are subject to change without notice. Not all products are available in all states. See our Disclosures & Licensing page for state license information, and our Loan Programs hub for other categories (refinance, first-time homebuyer, investment, equity options, new construction).