Home · Buying a Home

Buying a home

No credit pull just to talk.

Buying a home is a six-figure, once-a-decade decision. You shouldn't have to hand over your life to a quote box to get a straight answer. Talk to a real advisor first — we'll map the path before you commit to anything.

Talk to a Real AdvisorRun the Numbers First

How it works

Four simple steps. We're beside you for every one.

No jargon, no pressure, no countdown timers. Just the whole path from hello to keys.

Step 01

Talk

A real conversation about what you’re hoping to do, what you’re comfortable spending, and what’s possible. No application required to start.

Step 02

Pre-approve

We verify the numbers and write you a strong pre-approval. It strengthens your competitive offer because the math behind it is real.

Step 03

Shop

You shop for the home with confidence. We shop 100+ loan programs behind the scenes to find your best fit.

Step 04

Close

We keep every detail buttoned up and the timeline on track, exactly as we promised. Then we stay on your team long after the keys are in your hand.

Loan options

The right loan is the one that fits you.

Tap any option for the plain-English version. We'll walk you through all of it in real numbers.

This is the standard path, and it often prices well once you have solid credit and steady income. Terms are flexible, and you can drop mortgage insurance once you reach 20% equity.

3% downMost commonDrops PMI

A good fit when you’re building credit or want a lower barrier to entry. It’s more forgiving on credit history and offers competitive rates backed by the FHA.

3.5% downFlexible credit

A benefit earned through service. It often comes with 0% down, no monthly mortgage insurance, and competitive rates. Our specialty tools compare VA options side by side.

No PMIFor veterans

For eligible buyers in rural and many suburban areas. You get 0% down, and more homes qualify than most people expect. We’ll check your address in seconds.

0% downEligible areas

For loans above the conforming limit — the cap on what most lenders can sell on to Fannie Mae and Freddie Mac. We shop these hard, because the spread between lenders can be real money on a larger balance.

High balanceShopped hard

A lower rate for an initial fixed period. It fits some plans and not others, and we’ll tell you honestly which one you are before you commit.

Lower intro ratePlan-dependent

Honest numbers

See what a payment could look like.

This is a rough estimate to get you oriented. Adjust the numbers and watch them change. When you're ready for real ones, we're a short conversation away.

Home price$425,000
Down payment · 20%$85,000
Interest rate6.500%

APR6.526%prepaid interest and any mortgage insurance included

Loan term
Estimated monthly payment
$2,716
Principal & interest$2,149
Property tax (est.)$443
Homeowner’s insurance (est.)$124
Loan amount$340,000
Get My Real Numbers

Estimate only. Taxes and insurance vary by location and property; mortgage insurance is estimated at 0.5% a year under 20% down. Rates are always subject to change. Not a commitment or offer.

Before we talk

What to have handy.

None of this is required to start a conversation — it just makes the pre-approval faster when you're ready.

Income documentation

Your last 30 days of pay stubs and two years of W-2s or year-end pay stubs. If you are self-employed, your last two years of tax returns.

A rough budget

What feels comfortable each month, not just the most a bank will lend.

Your questions

Bring the ones the internet gave you ten different answers to. We’ll give you one straight one.

A couple at home going over their budget and pay stubs together

Ready when you are

Let's see what your numbers really look like.

Start a real conversation with an advisor who shops for you. No pressure, no funnel, no 30-second gimmick.

Talk to a Real AdvisorOpen the Calculators

For buyers

The questions we hear most.

How much down payment do I need to buy a home?

It depends on the loan program. Some allow a low down payment and others ask for more. Rather than guess, we will match you to the program that fits and show you what you would need. You can also test different down payments in our free affordability and payment calculators.

What credit score do I need to buy a house?

Different loan programs have different credit guidelines, and there is often more flexibility than people expect. Instead of guessing from a number online, we'll look at your full picture and match you to the program that fits. There's no hard credit pull just to start the conversation.

How long does it take to get pre-approved?

Often quickly once we have the basics, though it depends on your documents and situation. A strong pre-approval is what makes an offer credible, so we focus on getting it right rather than just fast. Start the conversation and we'll tell you exactly what we need from you.

What documents do I need for a mortgage?

Typically your last 30 days of pay stubs and two years of W-2s or year-end pay stubs (or, if you are self-employed, your last two years of tax returns), plus recent bank statements and a photo ID. None of it is required just to start a conversation; it only speeds up the pre-approval when you're ready to move.

I'm a first-time home buyer — where do I start?

Start with a real conversation. We'll walk you through the whole path in plain English, from a comfortable budget to the keys, and point you toward first-time and government programs you may qualify for. You can also run your own numbers first with our free, ungated calculators.