A purchase loan finances the home you are buying. The right program depends on how you earn, how much you want to put down, and whether you have a VA benefit.
Eligible VA buyers may put nothing down and skip monthly mortgage insurance. Other buyers may use conventional, FHA, bank statement, or asset qualifier loans.
Investors buying a rental can ask about DSCR loans, which look at the property's rent. We will say if your building does not fit.
How it goes
01
Price and payment
We start with what you want to spend each month, not a max we push you toward.
02
Pick a program
VA, conventional, FHA, bank statement, or another path.
03
Pre-approval
Credit is pulled only when you say yes.
04
Offer and close
We stay reachable while you and your agent negotiate.
A simple affordability example
Uses a 43% debt to income example. Lenders set their own limits. This is not an approval.
Enter your numbers to see an estimate.
Questions we hear
How much house can I afford?
The calculator uses a simple example. A real answer needs income, debts, taxes, and the program. We would rather be specific than cheerful.
Do I need 20% down?
No. Many programs allow less. VA purchases can be zero down for eligible buyers. Less down can mean a higher payment or mortgage insurance on other loans.
I am self-employed. Can I still buy?
Often, yes. Bank statement and asset programs exist for that reason. They have their own rules and usually higher costs. We will show those, not hide them.
Can you work with my agent?
Yes. If you do not have one, you can still start with us.
When do I lock a rate?
After you are in contract, in most cases. We explain the choice when it is time, not months early.
Rates change daily. Talk to a real lender, Mon-Fri, 9 AM-6 PM PT.
Reviewed by Roland Suncire, Founder and President, NMLS 1196184. Last updated October 2026. Reviews