Home Purchase

• Conventional — as little as 3% down for qualified first-time buyers, 5% standard. PMI removable once you reach 20% equity.
• FHA — 3.5% down with flexible credit guidelines; includes upfront and annual mortgage insurance premiums.
• VA — 0% down for eligible veterans, active duty, and surviving spouses. No monthly mortgage insurance; a one-time funding fee may apply.
• USDA — 0% down in eligible rural areas with income limits by county.
• Down-payment assistance — state and local programs for eligible buyers, often paired with FHA or conventional financing.

Two years of income history (W-2s or returns), recent pay stubs, two months of asset statements, and photo ID. Self-employed buyers, commission income, and rental income each have their own documentation path — we'll map yours before you shop.

1. Application and credit review — usually a same-day pre-approval.
2. Program comparison side by side, including total monthly payment and cash to close.
3. Offer accepted: appraisal, underwriting, and conditions handled proactively.
4. Clear to close, final numbers reviewed with you, then signing.