Purchase Loans

A purchase mortgage loan is a type of loan used to finance the purchase of a property. This loan is secured against the property you’re buying, meaning that the lender holds an interest in the home until the mortgage is fully paid off. Purchase mortgage loans come in various forms, allowing you to choose the option that best fits your financial situation and homeownership goals.

Types of Purchase Mortgage Loans We Offer

• Conventional Loans: Ideal for borrowers with a good credit score and a stable income. These loans offer competitive rates and flexible terms.

• FHA Loans: Designed for first-time homebuyers or those with lower credit scores. FHA loans require a lower down payment, making homeownership more accessible.

• VA Loans: Available to eligible veterans, active-duty service members, and their families. VA loans often offer no down payment and no private mortgage insurance (PMI) requirements.

• USDA Loans: For borrowers in eligible rural areas, these loans offer no down payment for qualified applicants.

• Jumbo Loans: For home purchases that exceed the conventional loan limits, our jumbo loans provide the necessary financing with competitive terms.

• Non-QM Loans: Designed for borrowers who don't meet the standard requirements for traditional mortgages, offering flexible underwriting guidelines to accommodate unique financial situations.

Why Choose Us for Your Purchase Mortgage Loan?

• Personalized Service: We take the time to understand your unique needs and financial situation to find the best loan option for you.

• Guidance You Can Trust: Our team of experienced loan officers will guide you through the entire loan process, ensuring a smooth and stress-free experience.

• Fast Approvals: We streamline the approval process to get you into your new home as quickly as possible.

How the Process Works

1. Pre-Approval: Start by getting pre-approved to determine how much home you can afford and to show sellers that you're a serious buyer.

2. Home Search: Work with a real estate agent to find the perfect home within your budget.

3. Loan Application: Complete the loan application process with the guidance of our expert loan officers.

4. Underwriting: Our underwriting team will review your financial information and the property details to ensure everything meets the loan requirements.

5. Closing: Once approved, we’ll schedule your closing. You'll sign the final documents and receive the keys to your new home.

Get Started Today!