Your homebuying journey starts here
Start your home search with real numbers, not guesses
Why homebuyers work with us
More options to choose from
We pull options from top lenders and show you the ones that make the most sense for your financial picture.
Pre-approved in 24 hours
Fast turnarounds help you make strong, competitive offers.
Advocates in your corner.
We work with your agent to help your offer stand out.
From application to closing in three simple steps
Step 1: Get pre-approved
Talk with your loan officer or apply online. You’ll get your pre-approval letter within 24 hours.
Step 2: Shop with confidence
Your pre-approval shows sellers you’re ready to buy, and your loan officer helps you make informed decisions as you shop.
Step 3: Close on your timeline
We manage the details and keep everything on track so you close without surprises.
Am I ready to buy a home?
Many buyers qualify for a mortgage sooner than they think. Here are the main things lenders look at when reviewing your application:
Proof of income
You’ll need proof of income—often pay stubs, tax returns, or bank statements, depending on the loan type.
Your credit score
Credit score requirements vary. FHA loans accept scores as low as 580, while most conventional loans look for 620 or higher.
Down payment options
Depending on the loan program, your down payment may range from 0% to 3–5%.
Debt isn’t a dealbreaker
Lenders look at how your income and current payments balance out to make sure the mortgage will feel comfortable.
checklistNot sure if you qualify?
Your loan officer can help you understand exactly where you stand and what to do next.
Run the numbers
Curious what your payment might look like?
Use our calculator to get a quick estimate based on your price range and down payment.
*Keep in mind this is just an estimate. For an accurate rate quote, talk to your loan officer.
Common questions about buying a home
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It depends on the loan program. Conventional loans often start around 3–5% down, FHA requires 3.5%, and VA or USDA loans offer zero-down options. Your loan officer can help you understand what works best for your situation.
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Most clients receive their pre-approval within 24 hours of applying.
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Pre-qualification is a quick estimate based on basic information. Pre-approval means we’ve reviewed your financials and verified you're ready to buy. Sellers take pre-approvals much more seriously.
If you’re shopping in Arizona, you will need an Arizona pre-approval form confirming we have verified assets and income for your approval.
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Waiting for the perfect rate can mean missing out on the right home. Your loan officer can show you side-by-side numbers so you can decide what makes the most sense for you, your family, and your budget.
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Most applicants need pay stubs, bank statements, W2s (or tax returns if you are self-employed), and ID. Your loan officer will give you a full list of the documents you’ll need after they’ve reviewed your application.
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We service Arizona, California, Colorado, Florida, North Carolina, and Texas.
What homebuyers say about working with us
Real experiences from recent homebuyers
