Purchase Loans That Get You Home
24-hour verified pre-approval. Multiple lender options. Transparent process from application to closing.
Your Path to Homeownership Starts Here
Whether you're a first-time buyer or moving up to your dream home, our purchase loan process is designed to get you the best rate and terms while ensuring a smooth, transparent experience from application to closing.
24-Hour Verified Pre-Approval
Get a verified pre-approval letter within 24 hours that strengthens your offer and shows sellers you're serious about buying.
Shop Multiple Lenders
We compare rates and terms from multiple lenders to ensure you get the best deal possible.
Fast, Transparent Process
Clear communication throughout the entire process with regular updates and no surprises.
Our Proven 3-Step Process
From verification to closing, we guide you through every step of your home purchase journey.
Verify Your Buying Power
We review your income, assets, and credit upfront so you know exactly what you qualify for—no surprises later. Get your 24-hour verified pre-approval.
Strengthen Your Offer
Your agent receives a verified proof package that makes your offer stand out and get accepted faster in competitive markets.
Close With Confidence
Our team coordinates every detail for a smooth, on-time closing backed by transparent communication and service guarantees.
Which Purchase Loan Is Right for You?
We offer multiple loan programs to fit your situation, credit profile, and down payment amount.
Conventional Loans
Down payment: 3-20%
Credit score: 620+
Best for: Standard home purchase with good credit
Benefits: Lowest rates, flexible terms, PMI removable at 20% equity
FHA Loans
Down payment: 3.5%
Credit score: 580+
Best for: First-time buyers, lower credit scores
Benefits: Low down payment, flexible qualification, competitive rates
VA Loans
Down payment: 0%
Credit score: No minimum
Best for: Military, Veterans, Active Duty
Benefits: Zero down, no PMI, competitive rates, limited closing costs
USDA Loans
Down payment: 0%
Credit score: 640+
Best for: Rural and suburban areas
Benefits: Zero down, low rates, income limits apply
Not sure which loan type fits your needs? We'll help you choose.
Get Personalized RecommendationCompare Purchase Loan Programs
| Loan Type | Down Payment | Credit Score | Income Limits | PMI/MIP | Best For |
|---|---|---|---|---|---|
| Conventional | 3-20% | 620+ | None | Yes, removable | Standard purchase |
| FHA | 3.5% | 580+ | None | Yes, permanent | First-time buyers |
| VA | 0% | None | None | None | Military/Veterans |
| USDA | 0% | 640+ | Yes | Yes, affordable | Rural properties |
Conventional
Down Payment: 3-20%
Credit Score: 620+
Income Limits: None
PMI/MIP: Yes, removable
Best For: Standard purchase
FHA
Down Payment: 3.5%
Credit Score: 580+
Income Limits: None
PMI/MIP: Yes, permanent
Best For: First-time buyers
VA
Down Payment: 0%
Credit Score: None
Income Limits: None
PMI/MIP: None
Best For: Military/Veterans
USDA
Down Payment: 0%
Credit Score: 640+
Income Limits: Yes
PMI/MIP: Yes, affordable
Best For: Rural properties
First-Time Homebuyer? We've Got You Covered
Buying your first home is exciting but can feel overwhelming. We specialize in helping first-time buyers navigate the process with confidence.
What We Help First-Time Buyers With:
Understanding loan options and which fits your budget
Down payment assistance programs in Florida & Texas
Credit score improvement strategies to get better rates
Complete document checklist so you're prepared
Calculating true monthly costs (mortgage, taxes, insurance, HOA)
Pre-approval letters that make your offer competitive
Frequently Asked Questions
Get answers to common questions about our purchase loan process.
Ready to Start Your Home Purchase?
Get your 48-hour verified pre-approval and start shopping with confidence.