For Home Buyers
Purchase loans built around your buying goals
Whether you're buying your first home or your fifth, we match you with the program that saves the most money and gets you to the closing table fast.
The Buying Journey
From pre-approval to keys in hand
Four straightforward steps stand between you and owning your next home. We guide you through every one.
- 1
Get Pre-Approved
Complete our 15-minute digital application and receive a pre-approval letter the same day. Sellers take pre-approved buyers far more seriously.
- 2
Shop with Confidence
Your pre-approval letter shows sellers exactly how much you're qualified for. Browse homes knowing your budget is locked in and real.
- 3
Make a Strong Offer
We provide updated pre-approval letters within hours when market speed matters. Your agent and our team coordinate directly so nothing falls through.
- 4
Close on Your Home
Our in-house processing team keeps your loan on track from appraisal through funding. Typical purchase closes in 21–30 days from accepted offer.
Purchase Loan Types
The right program for every buyer
Each loan type is engineered for a different buyer profile. We compare them all and recommend the one that saves you the most.
Conventional Loans
Put as little as 3% down with no upfront MI fee. Once you reach 20% equity, private mortgage insurance cancels automatically.
FHA Loans
3.5% down with a 580+ credit score. FHA's flexible underwriting makes it the go-to program for buyers building or rebuilding credit.
VA Loans
$0 down for eligible veterans, active-duty members, and surviving spouses. No PMI, competitive rates, and no prepayment penalty.
USDA Loans
$0 down in USDA-eligible rural and suburban areas. Income limits apply but the program covers a surprisingly broad geographic footprint.
Down Payment Assistance
Combine purchase loans with grants or second-lien DPA programs to reduce or eliminate out-of-pocket costs at closing.
Jumbo Loans
Buying above the $832,750 conforming limit in 2026? Our jumbo programs offer competitive fixed and adjustable rates for high-value purchases.
Purchase Programs
Explore your purchase loan options
Click any card for full program details, current rate guidance, and eligibility requirements.
Ready to start your home search?
Get pre-approved in 15 minutes — no hard credit pull until you're ready to move forward.