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Home purchase loans
Home purchase loans
Pre-Approval & Purchase Financing
Buy your home with confidence, from pre-approval to keys.
Sarah Mitchell, Senior Mortgage Advisor
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Financing built around buying a home.
Know more & unlock options
How it works
From pre-approval to closing day.
Step 01
Get Pre-Approved
Share your income, assets, and credit profile to receive a verified pre-approval letter stating your exact buying power.
Step 02
Shop & Submit Offers
House-hunt with confidence knowing your budget range, and submit offers backed by an verified financing guarantee.
Step 03
Application & Underwriting
Once your purchase contract is accepted, submit property documents while the lender completes appraisal and title review.
Step 04
Clear to Close & Keys
Review your closing disclosure, wire down payment funds, sign final documentation, and receive the keys to your new home.
Mortgage Options
Compare rates and loan structures.
Nationwide · 3% Min DownFixed Rate
30-Year Fixed Conventional Loan
Unlock ratesFast Payoff · Lower APR15-Yr Fixed
15-Year Fixed Equity Accelerator
Unlock ratesIntroductory Rate DiscountAdjustable
7/1 & 5/1 Adjustable Rate (ARM)
Unlock ratesFlexible Credit · Government BackedFHA Loan
FHA Purchase Financing (3.5% Down)
Unlock ratesZero Down · No Monthly PMIVA Loan
VA Military Home Loan (0% Down)
Unlock ratesHigh Balance · Tiered PricingJumbo Loan
Jumbo Luxury Residence Financing
Unlock ratesBehind the guidance
Helping buyers navigate interest rates, pre-approvals, and closing with clarity.
Client stories
Samantha & David
Vohnhale
Austin, Texas · 30-Year Conventional
Getting pre-approved for our home was dramatically faster and clearer than we experienced with conventional banks. The entire rate breakdown was transparent from day one.
Our pre-approval letter gave our offer the credibility needed to win against multiple bidders. We closed on schedule in 21 days without a single surprise.
Rate factors
Key variables lenders weigh when quoting your interest rate and monthly payment.
What shapes your mortgage pricing
01
Credit Score & Profile
Higher credit scores earn preferred interest rate tiers. Strengthening your score before applying can yield substantial monthly savings.
02
Down Payment & Loan-to-Value (LTV)
Putting down 20% eliminates Private Mortgage Insurance (PMI) and secures prime pricing, while 3% to 5% down programs preserve liquid reserves.
03
Loan Type & Term
15-year fixed terms carry lower interest rates than 30-year terms, while ARMs offer lower introductory rates for the first 5 to 7 years.
04
Debt-to-Income (DTI) Ratio
Lenders compare total monthly debt obligations against gross monthly income to verify long-term payment comfort.
05
Property Type & Occupancy
Primary single-family residences qualify for the most favorable rates compared to multi-unit properties or secondary vacation homes.
Questions & Answers
Frequently Asked
Mortgage Insights
