🏡 Buy a Home

“Explore your path to homeownership — from first-time buyer programs to alternative loan solutions.”

📘 Overview: How the Purchase Process Works

Buying a home involves more than just finding the perfect property. It starts with getting pre-approved, choosing the right loan program, and making sure your financing matches your goals, credit, and budget.

Here's how the process typically works:

  1. Get pre-approved based on income, credit, and down payment

  2. Explore loan programs that best suit your situation

  3. Make an offer with financing support in place

  4. Complete underwriting and appraisal

  5. Close on your new home

🏠 Explore Loan Programs for Homebuyers

✅ Conventional Loan Programs

  • As little as 3% down

  • Best for buyers with solid credit and income

✅ FHA Loans

  • Just 3.5% down

  • More flexible on credit

  • Popular for first-time buyers and moderate-income households

✅ VA Loans

  • 0% down with no mortgage insurance

  • Available for veterans, active-duty, and eligible service members

✅ Non-QM & Alt-Doc Loans

  • Bank statement loans for self-employed buyers

  • Asset-based financing

  • Great for buyers with unconventional income sources

👶 First-Time Buyer Support

Many buyers qualify for:

  • Down payment assistance programs

  • Homebuyer education credits (like HomeReady® and Home Possible®)

  • Flexible credit and income requirements

👉 Learn more on our Low Down Payment Loans page
👉 Having credit challenges? See our Low Credit Mortgage Options

💡 Not Sure Where to Start?

Let us help guide your journey with a customized plan and loan comparison.

🔵 [Apply Now to Get Pre-Approved]
📞 [Talk to a Home Loan Specialist]

 

🔒 Disclosure 

This content is for informational purposes only and not a commitment to lend. All mortgage applications are subject to credit approval, underwriting, and property eligibility. Not all applicants will qualify. Please consult with a licensed mortgage professional.

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