Whether you're looking to make a move in 10 days or 10 months... We can help eliminate stress, surprises, and uncertainty. Buy a Home the easy way with our Shop with Confidence Pre-Approval. We'll create a personalized roadmap that fits your journey and goals.
Buy a House
Start with a comfortable total payment and cash-to-close plan. A preapproval review can help you compare financing before you commit to a property. Include taxes, insurance, association dues and property-specific costs.
Life Happens: College Graduation, New Career, Job Promotion, Relocation, Marriage, New Baby, Growing Family, Investment Property, Empty Nester, Retirement, Divorce, Downsizing, or just want a change…We can help.
Let our financial expertise work to your advantage. We work with over 100 mortgage lenders to get the best mortgage rates & loan programs for you. Check out our Step-By-Step Homebuyer Guide to start your home-buying process.
Smart thinking. Knowledge is power. Learn about the home buying process, and speak with one of our mortgage and real estate professionals to plan ahead and be prepared. Use our free homebuyer resources and mortgage tools.
Want to Estimate Your Monthly Payments?
See the whole buying budget
Before you shop, let’s separate what goes into the purchase from what stays in your account. Here is a simple illustration for a $500,000 home with 5% down.
$25,000
5% of the example purchase price. Eligible down payments vary by loan and borrower.
$10,000
An assumed allowance for lender and settlement charges, prepaids and initial escrow funding. Your actual costs will differ.
$10,000
A separate planning reserve for life after closing. This is not a required reserve amount for every program.
Illustrative cash to close: $35,000
Plus a separate $10,000 cash cushion
Total savings in this example$45,000
Illustration only. Cash to close also depends on your deposit, any eligible credits and the final transaction details. Monthly taxes, home insurance, mortgage insurance, HOA dues and maintenance belong in the ongoing budget. Our team can build the numbers around your situation.
Online or In-Person:
Our 10 minute streamlined home loan application process gives you the tech to make it fast and easy.
We'll help you clearly see differences between different scenarios & loan programs to compare to choose the right one for your goals.
We work with you to run scenarios with you on homes you're considering & agent on offer acceptance, then to final loan approval.
You are Clear to Close.
Attend Closing Day and sign real estate and loan docs. Receive your keys, and move in to your new home!
Estimate Monthly Mortgage Payments for Purchasing a Home, Run Home Affordability Scenarios, Debt-To-Income Ratios, etc.
Single Family Homes
A yard for the dog. Room for a home office. Space to grow into. A detached single-family home can give you more privacy and control over how you use your home and outdoor space.
You typically own both the house and its lot. Attached single-family homes, such as paired or twin homes, can share a wall, so check the legal ownership and maintenance responsibilities rather than relying on the listing label.
Buying your primary home, a second home or a rental? Financing requirements can differ. Our team can compare the loan options and run the full payment on a home you are considering before you make your offer.
Townhomes
Want your own front door without a large yard to maintain? A townhome may be a good fit. Many offer multiple levels, a garage and shared walls, with an end unit usually sharing fewer walls.
The building style does not tell the whole financing story. A townhome may have fee-simple ownership, be part of a planned unit development, or be legally a condominium. That distinction affects the property review and which loan options fit.
Considering an FHA, USDA or VA loan? Our team can help review the ownership and any applicable condo eligibility requirements with your agent. Bring us the address and HOA dues so we can compare the total payment, not just the listing price.
Condominiums or Condos
Condominiums, or Condos for short, are buildings made up of individual units that are attached. They can look and feel like an apartment building or community. Unlike with an apartment, a condo owner owns the interior space of their unit and is building equity with every mortgage payment. Members hold rights within the Home Owner’s Association (HOA) and are assessed period dues for operational expenses. It is advised to review the HOA docs and financials to make sure there is nothing of concern.
If looking at an FHA loan, USDA loan*, or VA loan it is important your agent makes sure the Condo Community/HOA is approved**.
*USDA typically uses a HUD or VA approval
**Not required for Conventional loans, however a condo questionnaire is usually required to review financial risk.
Manufactured Homes
Manufactured homes are homes built in factories, according to standards set by the U.S. Department of Housing and Urban Development (HUD). They are affixed to a chassis and can be installed in both permanent and temporary locations.
Manufactured homes built before June 15, 1976, are often referred to as “mobile homes” and have looser construction standards than HUD requirements. As such, “Mobile homes” are not classified as “real estate property” and are regulated by the DMV, rather than HUD, and require a loan type called a Chattel Loan.
You can typically get a mortgage on a manufactured home if it meets the following:
1) HUD Tag (or record proof of one)
2) It is permanently affixed to a foundation (not on leased or temporary land) and it has never been relocated
Modular homes (prefabricated) are built in a factory to 80-90% completion and then moved to the build site for final completion and are considered real property like any other on-site home constructionC
Concierge Level Service
You have enough to think about when buying a home. You should not have to chase answers, decode loan jargon or wonder what happens next. We help connect the financing, your agent and the closing details so you can focus on finding your place.
In your pre-approval video conversation, we walk through your payment, cash to close and loan choices together. You leave knowing what fits your budget and what to prepare next.
Found a home you love? Send us the details. We can update the numbers, review financing considerations and coordinate with your agent so your offer is built around a realistic plan.
We explain document requests, keep track of loan conditions and help you prepare for the next step. If something changes, we talk through the options and adjust the strategy with you.
You do not need to have it all figured out.
Tell us where you are in the process. We will help you work out the next move.
Compare home purchase, refinance, equity and specialty financing paths. Start with the guide that fits your goal, then review the borrower and property requirements.
Explore first-lien HELOC financing that pairs home debt with cash-flow account features, compare daily-balance interest, deposits, withdrawals and repayment discipline.
Compare rental purchase and refinancing options, including DSCR and short- or long-term rental considerations.
Plan construction draws, builder coordination and one-time-close or two-close financing.
Review acquisition, renovation funds, short-term repayment and your sale or refinance plan.
Check build timing, access, utilities and the differences between raw land and a prepared homesite.
Explore multifamily, standalone buildings and individual commercial sites with property-specific underwriting.
Questions worth asking
It depends on the loan program, occupancy and your qualifications. A 20% down payment is not required for every purchase. Our team can compare eligible low-down-payment options and explain mortgage insurance, closing costs and reserve needs.
A financing review before you shop helps you understand your budget and prepare an offer. We use a pre-approval video conversation to review options and next steps. Pre-approval remains subject to the property and final loan conditions.
Start with principal and interest, property taxes, home insurance, any mortgage insurance and HOA dues. Then allow for maintenance, utilities and a cash cushion. Our payment calculator can help you explore assumptions.
They may, within the selected program limits and your eligible costs. Seller credits generally cannot replace your required down payment. We can coordinate the financing review with your agent before you write the offer. Try the seller concessions calculator for an illustration.
Start with what you can comfortably afford, how long you expect to stay and your cash reserves. Trying to predict a perfect rate or price can distract from those basics. Our team can compare a buy-now scenario with a wait-and-save plan so you can decide with more context.
*Information, scenarios, and calculations are for educational and illustrative purposes only, not a loan offer, a commitment to lend, a rate quote or an approval. Programs, costs and qualification requirements depend on the borrower, property, selected lender and current guidelines. Examples are not guaranteed results. Our team can review the details for your situation.
Whether you are a first-time homebuyer, a seasoned home buyer, or you prefer to speak with someone to get more information and esearch your options, we are happy to guide you so you can make smarter informed financial moves.
