Start with the number that is actually realistic
Before you tour houses, it helps to know the purchase range your file supports and what it would take to move that range. Run the Home Purchase Estimator for a quick read, then we can pressure-test it against real program guidelines.
Purchase programs we can review
- Conventional loans, including low down payment options for eligible buyers
- FHA loans, depending on eligibility and property
- VA loans for eligible service members and veterans
- Jumbo loans for higher balance Southern California purchases
- Bank statement and other non-QM programs for self-employed buyers
- DSCR and conventional investment property financing
What we will ask you
- Target price range, area, and property type
- Down payment source and amount
- Income documentation: W-2, tax returns, 1099, or bank statements
- Credit picture, including anything you already know is a problem
- Timeline and whether you have an agent
First-time buyers
First-time buyers may be able to review conventional, FHA, VA, and other options depending on credit, income, down payment, property type, and eligibility. We will walk through the tradeoffs between down payment, mortgage insurance, and monthly payment instead of pushing one product.
Not a commitment to lend. Approval and terms depend on a full review of credit, income, assets, and property.