Buy a Home | Mortgage Pre-Approval

Buy Your Home the Right Way

Get pre-approved. Know your real budget. Make confident offers.

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Why Home Buying Feels Overwhelming

Credit scores. Down payments. PMI. Debt ratios. Closing costs. Loan types. You're making the biggest financial decision of your life and you're expected to be an expert.

Most lenders hand you an application and expect you to figure it out. We walk you through it. Step by step.

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Your Path to Homeownership

A clear timeline from start to finish.

Step 1

Get Pre-Approved

10 minutes. Know your numbers before you shop.

Step 2

Choose Your Loan

FHA, Conventional, VA, USDA. We explain the differences.

Step 3

Buy or Refinance

Move forward with clarity and confidence.

Step 4

Close

10 minutes. Know your numbers before you shop.

Which Loan Fits You?

Not sure? We'll help you choose.

FHA Loans

3.5% down • 580 credit

Best for: First-time buyers, limited savings
‍Why it works: Low down payment, flexible credit requirements

Conventional Loans

3% down • 620 credit

Best for: Good credit, long-term ownership
Why it works: Removable PMI, competitive rates

VA Loans

$0 down • Flexible credit

Best for: Veterans, active military, eligible spouses
‍Why it works: No down payment, no PMI, competitive rates

USDA Loans

$0 down • 640 credit

Best for: Rural/suburban buyers
‍Why it works: No down payment, low rates for eligible areas

Jumbo Loans

10-20% down • 700+ credit

Best for: High-value properties
‍Why it works: Financing above conventional limits

We Guide Every Type of Buyer

First-Time Buyers

Never bought before? We'll explain everything without talking down to you.

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Growing Families

Need more space but worried about budget? We'll help you find what fits.

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Veterans & Military

You've earned powerful benefits. We'll help you use every one.

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Everything You Need to Know

Affordability Calculator

See what you can afford based on income and debts

Down Payment Guide

How much you need for each loan type

Credit Score Guide

What score you need and how to improve yours

Home Buying Checklist

Step-by-step timeline from pre-approval to closing

Closing Costs Explained

What you'll pay at closing and how to prepare

Pre-Approval vs. Pre-Qualification

Know the difference and why it matters

Common Questions from Home Buyers

A clear path from start to finish.

Pre-qualification is a quick estimate based on basic info. Pre-approval involves verifying your finances with documentation and it shows sellers you're serious.

It depends on the loan type. FHA requires 3.5%, conventional can be as low as 3%, VA and USDA offer 0% down for eligible borrowers.

Minimum scores vary: FHA accepts 580+, conventional typically requires 620+, VA is more flexible. We'll help you understand where you stand.

Typically 30-45 days from offer acceptance to closing, though it can be faster with streamlined loans.

Closing costs include appraisal fees, title insurance, origination fees, and other charges—typically 2-5% of the loan amount. We'll give you a detailed breakdown upfront.

Yes, as long as your total debt-to-income ratio is below 43-50%. We'll help you calculate whether you qualify.

Let's Get You Home

Get pre-approved in 10 minutes and start shopping with confidence.