Buying a home

Shop with confidence, not guesswork.

Start with a pre-qualification so you know your range — and sellers know you are serious.

Get pre-qualified
The process

Four steps to the keys

Step 1 of 4: Pre-qualification

A short conversation to understand your goals and a realistic range for your situation.

What you'll have: a clear, realistic price range

Step 2 of 4: Application

We gather your details and documents and present your loan options.

What you'll have: an offer sellers take seriously

Step 3 of 4: Underwriting

Underwriting reviews your file. We keep you updated and walk any conditions through with you.

What you'll have: a file that's moving, with updates from us

Step 4 of 4: Clear to close

You sign, fund, and get the keys. We are here after closing, too.

What you'll have: keys.

Closing day — welcome home.

Let's talk about yours

The process

Four steps to the keys

  1. Pre-qualification

    A short conversation to understand your goals and a realistic range for your situation.

    What you'll have: a clear, realistic price range

  2. Application

    We gather your details and documents and present your loan options.

    What you'll have: an offer sellers take seriously

  3. Underwriting

    Underwriting reviews your file. We keep you updated and walk any conditions through with you.

    What you'll have: a file that's moving, with updates from us

  4. Clear to close

    You sign, fund, and get the keys. We are here after closing, too.

    What you'll have: keys.

Programs for buyers

More ways in than you might think

From low-down-payment options to no-down-payment programs for those who qualify.

Conventional

The most common loan type, backed by Fannie Mae or Freddie Mac. Flexible terms for buyers with steady credit and income.

  • Low to standard down payment
  • Steady credit profile
  • Best for: Steady credit and income

FHA

Insured by the Federal Housing Administration, with lower down-payment options and more flexible credit guidelines.

  • Lower down payment options
  • Flexible credit guidelines
  • Best for: Lower down payment, flexible credit

VA

A benefit earned through military service: no down payment required for eligible buyers and no monthly mortgage insurance.

  • No down payment (eligible buyers)
  • Flexible credit guidelines
  • Best for: Veterans, active duty, eligible spouses

USDA

Backed by the U.S. Department of Agriculture for eligible homes in qualifying rural and suburban areas.

  • No down payment (eligible areas)
  • Moderate credit guidelines
  • Best for: Eligible rural and suburban homes

Want to run your own numbers first? See how much house you can afford, or compare renting vs. buying over the years you plan to stay.

Buyer questions

The basics, answered

Should I get pre-qualified before I start house hunting?
Yes. A pre-qualification shows you a realistic price range and signals to sellers that you are a serious buyer. It is a short, no-obligation conversation.
What is the difference between pre-qualification and pre-approval?
Pre-qualification is an initial estimate based on the information you share. Pre-approval goes further, verifying your income, assets, and credit so your offer carries more weight.
How much do I need for a down payment?
It depends on the loan program. Some, like VA and USDA, can require no down payment for eligible buyers; others start lower than the 20% many people assume. We will walk through the options for your situation.
What credit score do I need to buy a home?
There is no single number — different programs have different guidelines, and several work with a range of credit profiles. We will review where you stand and what fits.

Ready when you are

Get pre-qualified in a short, no-obligation conversation.

Get pre-qualified