First-Time Buyers
Understand your real buying power, loan options, and what to expect at every step.
Move-Up Buyers
Selling and buying at the same time? We'll help you coordinate the timing and financing.
Buyers with Unique Situations
Self-employed, gift funds, low down payment? We have a loan path for your situation.
Available Programs
Every Purchase Loan Path, Compared
Conventional Loans
Best for buyers with good credit and 3–20% down. Lower mortgage insurance costs and flexible terms.
Best For
Credit 620+, stable income, 3–20% down
FHA Loans
Government-backed loans with lower credit requirements and as little as 3.5% down.
Best For
Credit 580+, first-time buyers, limited down payment
VA Loans
Zero down payment loans for eligible veterans and active-duty service members.
Best For
Veterans, active military, surviving spouses
Jumbo Loans
For home purchases above the conforming loan limit. Custom underwriting for high-value properties.
Best For
Luxury homes, high-income borrowers, strong assets
Down Payment Assistance
State, county, and lender programs that reduce your cash to close — including CalHFA and grant programs.
Best For
First-time buyers, moderate income, limited savings
How It Works
Simple. Clear. No Pressure.
01
Tell Us Your Goal
Fill out our quick form — your budget, timeline, property type, and credit range.
02
Get Your Options Reviewed
We compare every loan path that fits your profile — side by side with real numbers.
03
Choose Your Path
You decide with confidence. No pressure, no hidden fees — just clarity.
Common Questions
Purchase Loan FAQ
Free Consultation
Get Your Free Purchase Loan Review
Tell us a bit about yourself and we'll compare every loan path that fits your budget, credit, and timeline.
Client Stories