Start with a strong pre-approval
A pre-approval tells sellers you're a serious buyer. We review your credit, income, and assets up front, so your pre-approval letter carries real weight when you make an offer. It also helps you shop with confidence because you'll know your price range before you fall in love with a home.
Find the right loan for you
Conventional Loans
A popular choice for buyers with solid credit. Down payment options start as low as 3% for some buyers.
FHA Loans
Low down payment and flexible credit guidelines. Great for first-time buyers.
VA Loans
No money down for eligible veterans, service members, and surviving spouses.
Medical Professional Loans
Special programs for doctors, nurses, dentists, and other medical professionals.
Jumbo Loans
For higher-priced homes above the conforming loan limit.
USDA Loans
No money down for eligible homes in qualifying rural and suburban areas.
Renovation Loans
Buy a home and finance the repairs or upgrades in one loan.
Self-Employed Loans
Qualify using bank statements instead of only tax returns.
DSCR Investor Loans
Buying a rental? Qualify based on the property's rental income.
Buying your first home?
Our First-Time Homebuyer page walks you through the basics, from saving for a down payment to understanding closing costs.
How the purchase process works
- Talk with us. Share your goals, budget, and timeline. No documents needed to start.
- Get pre-approved. We review your credit, income, and assets.
- Shop for your home. Make offers with confidence.
- Go under contract. Send us your purchase agreement and we'll get to work.
- Appraisal and underwriting. We handle the details and keep you updated.
- Close and get your keys.
See each step in detail on The Mortgage Process.
Tips for a smooth purchase
- Hold off on new credit. Avoid opening new credit cards or financing a car until after closing.
- Keep your money where it is. Large, unexplained deposits or transfers can slow things down.
- Buying a condo? Send us the complex name early. Some loan types require the building to be approved.
- Ask about insurance early. Homeowners insurance can take time to secure in some areas.
Estimate your payment
Use our mortgage calculator to see how price, down payment, taxes, and HOA dues affect your monthly payment.
Where this is available
Purchase loans for homes you'll live in and investment properties are available in California, Arizona, Colorado, Florida, and Texas.
Program availability can vary by state and property. Contact us to confirm options for your home.