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Your Home Purchase Journey Starts Here

HOMEPURCHASE LOANS

Competitive mortgage rates. Conventional, FHA, VA & jumbo loans. Expert mortgage advisor support. Get pre-approved today!

NMLS #1820789

What you'll get

What you will get with a purchase loan

  • Competitive rates from our direct lending programs.
  • Expert guidance through the entire purchase process.
  • Fast pre-approval to strengthen your offer.

No commitment required · Free consultation

Purchase Loan Programs

Find the fit for your purchase — then get pre-qualified in minutes.

Conventional

Best for strong credit and flexible terms. Standard conforming purchase mortgage.

Term: 15–30 years
Down Payment: As low as 3%
Credit Score: 620+ typically required

Key Benefits:

  • Predictable fixed-rate payments
  • Down payments as low as 3%
  • Widely accepted by sellers
Get Qualified

FHA

Best for first-time buyers and flexible credit. Government-backed purchase loan.

Term: 15–30 years
Down Payment: As low as 3.5%
Credit Score: 580+ typically required

Key Benefits:

  • Lower down payment barrier
  • More flexible credit guidelines
  • Gift funds allowed for down payment
Get Qualified

VA

Best for veterans, active-duty service members, and eligible spouses.

Term: 15–30 years
Down Payment: 0% with entitlement
Credit Score: 580+ typically required

Key Benefits:

  • No down payment with entitlement
  • No monthly PMI
  • Competitive rates for eligible borrowers
Get Qualified

Jumbo

Best for higher-priced homes above conforming loan limits.

Term: 15–30 years
Down Payment: Typically 10–20%
Credit Score: Strong credit often 680+

Key Benefits:

  • Financing above conforming limits
  • Fixed and ARM options available
  • Built for larger purchase prices
Get Qualified

Mortgage Calculators

Clear the path to qualification

Trusted partners can help with loan readiness and student-loan payments so you can move toward a stronger mortgage picture.

Third-party partner services — not PRMG underwriting. They do not guarantee approval or score improvement.

CredEvolv
Turn “not yet” into loan-ready

CredEvolv matches you to a loan-readiness path—HUD-certified nonprofit credit counseling, nonprofit debt management, or a self-paced DIY option—then works the plan until you’re ready to re-approach a mortgage. Request a connection and your loan officer will make the introduction.

Three paths under one roof

Nonprofit credit counseling

One-on-one with a HUD-certified, NFCC-member counselor: full credit review, a personalized plan, and monthly check-ins—typically a few months to goal.

Nonprofit debt management

When high balances or DTI is the blocker, a nonprofit program negotiates with creditors and consolidates into one structured payment—not debt settlement or credit repair.

CredEvolvIQ (DIY)

A self-guided credit-building subscription with score monitoring and a personalized roadmap—if you prefer to move at your own pace.

  • Nonprofit counseling and debt help—not for-profit credit repair
  • You’re matched to the path that fits; progress can be shared back with your loan officer
  • Available in all 50 states; programs are typically paid by you, not the lender

Read more on CredEvolv’s solutions

LoanSense
Lower student loan payments, unlock more home

LoanSense builds a personalized student-loan plan—repayment options, forgiveness paperwork, and private-loan refinance shopping—so lower monthly payments can improve your debt-to-income ratio and how much home you may qualify for.

How LoanSense helps

Federal repayment & forgiveness

A personalized plan for income-driven repayment and forgiveness pathways, with expert help on the forms so you don’t go it alone.

Private loan refinance options

Shop refinance options for private loans through LoanSense’s lender partners—your advisor helps keep federal forgiveness eligibility in mind when it applies.

Faster paperwork for underwriting

Filing support and document tracking so your lower payment can be shared with your loan officer—often in about three weeks instead of months of DIY.

  • Free preliminary plan to estimate payment reduction and home-buying room
  • Covers federal and private student loans—with refinance guidance that protects forgiveness when it matters
  • Concierge options include advisor Q&A and e-filing help for mortgage qualification
Explore LoanSense

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Read more on LoanSense

How Buying Works

1

Get pre-qualified

Know your budget and strengthen your offer. Free, no obligation.

Get Qualified
2

Shop with confidence

Search homes in range with a clear number in hand.

3

Make a stronger offer

Sellers take pre-qualified buyers seriously.

4

Close with guidance

We handle processing, underwriting coordination, and closing timeline.

Key facts about buying

Home purchase FAQ

Clear answers before you make an offer.

  • What down payment do I need to buy a home?

    It depends on the program. Many FHA borrowers qualify with 3.5% down. Eligible VA borrowers may purchase with $0 down. Conventional options can start around 3% for qualifying buyers. Closing costs are separate from the down payment.

  • Should I get pre-qualified before house hunting?

    Yes for most buyers. Pre-qualification helps you understand a realistic budget and shows sellers you are a serious buyer. It is free and does not require a hard credit pull for the online path we offer.

  • What is the difference between FHA, VA, and conventional?

    FHA is government-backed and often more flexible on credit at 3.5% down. VA is for eligible service members, veterans, and spouses and may allow $0 down. Conventional is not government-backed and can fit strong credit and varied down-payment scenarios.

  • How do I compare mortgage offers?

    Compare interest rate, APR, fees, and loan terms—not just the monthly payment. The CFPB recommends shopping multiple lenders and reviewing the Loan Estimate carefully before you lock.

  • Do I need perfect credit to buy?

    No. Different programs have different credit guidelines. FHA is often more flexible than many conventional paths. Get pre-qualified to see what fits your profile rather than guessing from a score alone.

  • How long does a purchase mortgage usually take?

    Timelines vary by program, appraisal, and underwriting. Many purchase loans close in several weeks once under contract. Your loan officer will give a timeline based on your file and the contract dates.

Ready to Buy Your Home?

Let's get you pre-qualified and on your way to homeownership. I'll help you find the perfect loan for your situation.

Get In Touch

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Kyle Kiss

Mortgage Advisor

Kyle Kiss

I specialize in helping homebuyers find the perfect mortgage for their purchase. Whether you're a first-time buyer or looking to upgrade, I'll guide you through the process and find the best loan option for your situation.

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