Explore Purchase Loan Programs

From traditional mortgages to flexible non-qualified mortgage options, we offer a variety of loan programs to suit every borrower's unique financial situation.

Traditional Loan Programs

Conventional Loans

Traditional mortgages not backed by the government. Competitive rates with down payments as low as 3-5% for qualified buyers.

  • 3-20% down payment
  • No PMI with 20%+ down
  • Fixed & adjustable rates

FHA Loans

Government-backed loans ideal for first-time homebuyers with lower credit scores and smaller down payments.

  • 3.5% minimum down
  • Lower credit scores OK
  • FHA MIP required

VA Loans

Exclusive benefits for veterans, active-duty service members, and eligible surviving spouses with favorable terms.

  • 0% down payment
  • No PMI required
  • Competitive rates

USDA Loans

Zero down payment loans for homes in eligible rural and suburban areas with income limitations.

  • 0% down payment
  • Income limits apply
  • Property eligibility

Non-Traditional (Non-QM) Loan Programs

Non-Qualified Mortgage (Non-QM) loans offer flexible qualification options for self-employed individuals, investors, and those with unique income situations who may not qualify for traditional loans.

Bank Statement Loans

For Self-Employed Borrowers

Qualify using 12-24 months of bank statements instead of traditional tax returns. Perfect for freelancers, consultants, and business owners with significant write-offs.

10-30%

Down Payment

580+

Min. Credit Score

DSCR Loans

Debt Service Coverage Ratio

Investment property loans that qualify based on the property's rental income rather than your personal income. Ideal for real estate investors building their portfolio.

20%+

Down Payment

1.0+

DSCR Ratio

Asset Depletion Loans

For Asset-Rich Borrowers

Qualify based on your assets rather than income. Use your investment accounts, retirement funds, and other assets to secure your mortgage.

10-30%

Down Payment

$500K+

Asset Requirement

P&L Statement Loans

Profit & Loss Based

Qualify using business profit and loss statements for self-employed borrowers. Similar to bank statements but focuses on business profitability.

10-25%

Down Payment

2 Years

Business History

Not sure which loan program is right for you?

Talk to a Loan Expert Use Our Calculators

Purchase Loan Calculator

Estimate your monthly mortgage payment for your new home purchase. Compare different loan terms and see how much you can afford.

Enter Loan Details

Down Payment: 20.0%

FHA Loan

Includes FHA mortgage insurance

Your Estimated Payment

Monthly Payment

$2,283

30-year conventional loan

Payment Breakdown

Principal & Interest $2,023
Property Tax (est.) $200
Homeowners Insurance (est.) $60

Loan Summary

Loan Amount

$320,000

Interest Rate

0.07%

Total Interest

$408,142

Total Cost

$821,742

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Easy Purchase Loan Mortgage Programs

When you're ready to buy a home, a conventional purchase loan can help you secure the financing you need. Unlike refinance loans, purchase mortgages are designed specifically to help you acquire a new property. With competitive interest rates, flexible down payment options, and various term lengths, conventional purchase loans offer a straightforward path to homeownership.

Primary Residence Loans

Purchase your dream home with rates as low as 3.5% starting Rate with a 3-2-1 program. Ideal for single-family homes, condos, and townhouses with down payments starting at 3%.

Investment Property Loans

Grow your real estate portfolio with financing for rental properties and vacation homes. Competitive rates with as little as 10% down payment required.

Low Down Payment Options

Get into your new home with as little as 3-5% down. Conventional loans allow you to avoid FHA insurance while keeping your upfront costs manageable.

Get Your Purchase Loan Quote