Your Home Purchase Journey Starts Here
Get pre-approved for your dream home with competitive rates and expert guidance. From first-time buyers to luxury homes, we have the right loan program for you.
Simple Purchase Process
We make buying a home straightforward with our streamlined process and expert guidance every step of the way.
1. Get Pre-Approved
Complete our quick application and receive your pre-approval letter within 24 hours.
2. Shop with Confidence
Work with real estate agents knowing exactly what you can afford with your pre-approval in hand.
3. Submit Your Offer
Found your home? We'll help ensure your financing is ready and competitive for your offer.
4. Close & Get Keys
Complete the final paperwork and receive the keys to your new home. Congratulations!
Purchase Loan Programs
Choose the loan program that best fits your situation and homeownership goals.
First-Time Buyers
Special programs designed for first-time homebuyers with benefits like low down payments and reduced fees.
Best Options:
- • FHA Loans: 3.5% down, flexible credit requirements
- • VA Loans: $0 down for eligible veterans
- • USDA Rural: $0 down for eligible rural areas
- • Conventional: 3% down options available
Move-Up Buyers
Already own a home? We can help you upgrade to your next home with competitive financing options.
Best Options:
- • Conventional Loans: Competitive rates, flexible terms
- • Jumbo Loans: For higher-priced homes
- • Bridge Loans: Buy before selling current home
- • Asset-Based: Alternative income documentation
Luxury Home Buyers
Purchasing a high-value home? Our jumbo loan specialists provide white-glove service for luxury purchases.
Best Options:
- • Jumbo Loans: Amounts above $766,550
- • Portfolio Loans: Flexible underwriting
- • Private Banking: Concierge service
- • Interest-Only: Payment flexibility options
Investment Property
Building your real estate portfolio? We offer competitive financing for rental properties and investments.
Best Options:
- • Investment Loans: 1-4 unit properties
- • DSCR Loans: Qualify based on rental income
- • Portfolio Loans: Multiple property financing
- • Fix & Flip: Short-term renovation financing
Why Get Pre-Approved?
Stronger Offers
Sellers prefer buyers with pre-approval letters because it shows you're serious and financially qualified to purchase their home.
Know Your Budget
Understand exactly how much you can afford before you start shopping, saving time and avoiding disappointment.
Faster Closing
Pre-approval speeds up the final loan process since much of the underwriting work is already complete.
Pre-Approval Checklist
Documents You'll Need:
- ✓ Recent pay stubs (last 30 days)
- ✓ W-2 forms (last 2 years)
- ✓ Tax returns (last 2 years)
- ✓ Bank statements (last 2 months)
- ✓ Investment account statements
- ✓ Employment verification letter
- ✓ Photo identification
- ✓ Social Security card
Down Payment Options
You don't need 20% down to buy a home. See what options are available for your situation.
VA & USDA Loans
Eligible veterans and rural property buyers can purchase with no down payment required.
FHA & Conventional
Low down payment options make homeownership accessible for first-time and repeat buyers.
No PMI Options
Put down 20% or more to avoid private mortgage insurance and get the best rates available.
Purchase Loan FAQ
How long does pre-approval take?
Most pre-approvals are completed within 24-48 hours of receiving your complete application and documents.
How long is my pre-approval valid?
Pre-approval letters are typically valid for 60-90 days. We can extend or update them as needed while you shop.
Can I buy before selling my current home?
Yes! We offer bridge loans and other programs that allow you to purchase before selling your current property.
What if I'm self-employed?
We have several loan programs for self-employed borrowers, including bank statement loans and asset-based lending options.
Do you work with real estate agents?
Absolutely! We have strong relationships with real estate professionals and can coordinate closely throughout your purchase.
What are closing costs?
Closing costs typically range from 2-5% of the purchase price and include fees for appraisal, title, attorney, and lender services.
Ready to Buy Your Home?
Start your home purchase journey today with a free pre-approval from our experienced mortgage team.