Purchase
Whether you’re buying your first home or making a move-up purchase, we’ll help you understand your buying power, required documents, and the steps to close with confidence.
Who It’s For
- First-time homebuyers who want clarity on the process and numbers
- Move-up buyers coordinating a sale and purchase timeline
- Buyers relocating to a new area or state
- Veterans exploring VA purchase options (when eligible)
Our Approach
How It Works
Pre-Approval & Plan
We review your income, assets, credit, and goals to estimate buying power and outline the next steps.
Shop & Offer
With a solid pre-approval, you can shop confidently and write an offer aligned with your budget and timeline.
Loan Processing & Underwriting
We collect required documentation, verify information, order third-party items, and work through conditions.
Clear to Close
We confirm final figures, review closing details, and help you prepare for signing day.
Programs Overview (High-Level)
Programs vary by qualification and property type. Common purchase options may include:
- Conventional financing (primary residence and eligible second homes)
- FHA financing (as available and eligible)
- VA financing for eligible veterans and service members
- Jumbo financing (loan amounts above conforming limits)
- Down payment assistance (where available; eligibility varies)
FAQs
A: Affordability is based on income, debts, credit, assets, and the property’s
taxes/insurance/HOA. A pre-approval helps establish a realistic range.
A: Down payment requirements vary by loan program, credit, and property type. There 0%, 3%
and 3.5% options based on eligibility.
A: Typically: ID, income documentation, asset statements, and (if applicable) tax returns/business documents.
A: Timelines vary. We can close as soon as 21 days, but it depends on contract terms, underwriting, and third-party items.
Get pre-approved with a clear plan
Start with a pre-approval or schedule a short call to review your goals.
Disclaimer
- Loan programs, rates, terms, and approval are subject to underwriting and borrower qualification. Information on this site is for educational purposes and is not a commitment to lend.