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Start your homebuying plan with a clear mortgage strategy

Find out which financing paths may fit your budget, timeline, property type and goals, before you start making offers.

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What pre-approval actually tells you

It is less about a number and more about knowing where you stand before you compete for a property.

  • A realistic buying range
  • Which loan programs are worth comparing
  • What documentation you'll need
  • How much to plan for a down payment
  • What to do before making an offer

Step 1 of 4

See what you may qualify for

A few questions about your plans. No documents needed, and checking your options here does not affect your credit.

This helps us know how quickly to move.

How the process runs

  1. Scenario review

    We look at your goal, budget and timeline.

  2. Application & documents

    Secure collection of what's needed to verify.

  3. Compare strategies

    The programs open to you, with real numbers.

  4. Pre-approval

    A verified position you can make offers with.

  5. Offer & property

    We support you and your agent through the offer.

  6. Processing & closing

    Underwriting, appraisal, and keys.

Loan paths for buyers

FHA Loans

Government-insured financing often used for a smaller down payment.

  • Lower down payment options
  • More flexible credit review
Get a quote

VA Loans

For eligible veterans, service members and surviving spouses.

  • No monthly mortgage insurance where applicable
  • Purchase and refinance options
Get a quote

Jumbo Loans

Financing above conforming loan limits.

  • Fixed and adjustable options
  • Primary and second homes
Get a quote

What affects what you can afford

Affordability is not a single ratio. Lenders weigh several things together, and the same income can support very different loan amounts depending on the rest of the picture.

  • Income and how it's documented
  • Existing monthly debts
  • Down payment amount and source
  • Credit profile
  • Property taxes
  • Homeowners insurance
  • HOA dues, if any
  • The loan program itself
  • Current market pricing

Buying your first home

Being a first-time buyer does not automatically mean one particular loan type. FHA is common, but plenty of first-time buyers are better served by a conventional loan, and eligible veterans usually by a VA loan. The right answer depends on your credit, your down payment and how long you plan to stay.

See what documents to gather

Common questions

Ready to see where you stand?

A few questions is all it takes to start. No documents, and no effect on your credit.

Get Pre-Approved
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