Congratulations! You’re ready to buy a home
Do I Qualify?
To qualify for a mortgage, lenders typically require that you have a debt-to-income ratio of “43/49.” This means that no more than 43% of your total monthly income (from all sources, before taxes) can go toward your new mortgage payment, and no more than 49.99% of your monthly income can go toward your total monthly debt (including your mortgage payment). VA and FHA loans even allow for higher debt ratios on a case by case basis.
Qualify Me Now!
Find Your Ideal Loan
Select Your Loan Purpose
What’s Your Credit Score?
Below 580
580-619
620-639
640 or higher
How Much Can You Put Down?
How Much Can You Put Down?
Are You a Veteran or Active Military?
Is the Property in a Rural Area?
Do You Need to Finance Construction?
Are You Selling Your Current Home?
Are You a Veteran?
What’s Your Refinance Goal?
How Do You Want to Access Equity?
Open Line of Credit
Cash Out Equity
What’s Your Refinance Goal?
How Do You Want to Access Equity?
Open Line of Credit
Cash Out Equity
What’s Your Current Loan Type?
FHA
USDA
Conventional
Other/Not Sure
Recommended: Conventional Loan
A conventional loan might be your best option. These loans often offer competitive rates and flexible terms.
Recommended: VA Loan
As a veteran or active military member, a VA loan could offer you excellent benefits, including no down payment options.
Recommended: FHA Loan
An FHA loan might be ideal for you, offering lower down payment requirements and more flexible credit guidelines.
Recommended: USDA Loan
For rural properties, a USDA loan could offer you favorable terms, including potentially no down payment.
Recommended: Down Payment Assistance (DPA) Loan
A DPA loan could help you with your down payment, making homeownership more accessible.
Recommended: Construction Loan
A construction loan can help you finance both the purchase of land and the construction of your new home.
Recommended: Bridge Loan
A bridge loan can help you manage the transition between selling your current home and buying a new one.
Recommended: Home Equity Line of Credit (HELOC)
A HELOC can provide you with flexible access to your home’s equity for various purposes.
Recommended: Cash-Out Refinance
A cash-out refinance can help you access your home’s equity while potentially improving your loan terms.
Recommended: Rate and Term Refinance
A rate and term refinance could help you lower your interest rate or adjust your loan term to better suit your needs.
Recommended: VA Interest Rate Reduction Refinance Loan (IRRRL)
The VA IRRRL program offers a streamlined way for VA loan holders to potentially lower their interest rate.
Recommended: FHA Streamline Refinance
An FHA Streamline Refinance can help you refinance your existing FHA loan with reduced documentation and potentially lower costs.
Recommended: USDA Streamline Refinance
A USDA Streamline Refinance offers a simplified process to potentially improve the terms of your existing USDA loan.
Recommended: Conventional Streamline Refinance
A Conventional Streamline Refinance can help you refinance your existing conventional loan with a simplified process.
Mortgage Home Purchase Loans without the Hassle!
Need financing options on a home, or other real estate? Choosing a purchase loan product that matches your goals and making sure you get the best rate for your given scenario can feel like playing whack-a-mole.
We’re here to make the home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with a FREE pre-approval letter request.
We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you’re a first-time home buyer or a seasoned investor.
The Home Purchase Loan Process
Here’s how our home purchase loan process works:
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Complete our online Mortgage pre-approval -
Adjustable Rate Mortgage (ARM) -
Receive options based on your unique criteria and scenario -
Choose the offer that best fits your needs