Home Purchase

Property type & use

We’ll ask whether you’re looking at a single-family or multi-family property, and how you plan to use it: primary residence, second home, or investment. This helps us match you with the right loan programs and pricing.

Credit score

Your estimated credit score (e.g. 740+, 700–739, 680–699, 640–679, or below 640) affects which programs you qualify for and your rate. We work with a range of credit profiles and can outline options based on where you stand.

Have you found a home?

If you’ve already identified a property, we’ll use the address and estimated purchase price to tailor your pre-approval and payment estimate. If you’re still shopping, we’ll help you understand how much you can afford based on your income, debt, and down payment.

Down payment & closing costs

How much you have available for down payment and closing costs determines loan options, including conventional, FHA, VA, and down payment assistance or first-time buyer programs. We’ll walk through what’s possible with your numbers.

Timeline

Whether you expect to buy within 30–45 days, 2–3 months, 6 months, or longer, we’ll align your pre-approval and next steps with your timeline so you’re ready when you find the right property.

First-time home buyer

If you’re a first-time buyer, you may qualify for special programs, down payment assistance, or education. We’ll ask so we can point you to the right resources and loan options.

Income, employment & debt

We’ll need your annual household income, employment status (employed, self-employed, retired, or other), and monthly debt payments. This is used to calculate your debt-to-income ratio and the loan amount you can qualify for.

If you’ve had bankruptcy in the last 7 years, we’ll discuss timing and options—many borrowers can still qualify after a waiting period.

Military service

If you’re a veteran or active military, you may be eligible for VA loans with no down payment and competitive rates. We’ll ask so we can include VA options when they apply.

Next steps

Once we have your details, we’ll confirm the best time to contact you (ASAP, morning, afternoon, or evening) and reach out to go over your pre-approval, loan options, and any questions. You’ll get a clear picture of what you can afford and what to expect from the process.