Know what you can buy before you fall for a house
A pre-approval tells sellers you are serious. We get you there with the loan that fits, picked from 130+ wholesale lenders.
How a purchase works with us
- ApplyThe secure application takes your income, assets and the kind of home you want.
- Pre-approvalWe review your file and get you a pre-approval letter to shop with.
- Shop and make an offerYou and your agent find the house. We stay a phone call away.
- Lock and closeWe pick the lender, keep the file moving, and get you to closing.
The loans most buyers use, in plain English
Conventional
A loan that follows Fannie Mae and Freddie Mac rules. It is the usual fit when your credit is solid and your income is easy to document.
FHA
Insured by the Federal Housing Administration. Flexible on credit and as little as 3.5% down, which is why a lot of first-time buyers start here.
VA
Guaranteed by the Department of Veterans Affairs, with as little as 0% down for veterans, service members and surviving spouses. If you served, this is usually the first loan we look at.
High-balance and jumbo
Financing for higher-priced homes, with one loan for the whole amount from lenders who specialize in larger loans.
What to have on hand
You don't need all of it to start. The application tells you what's missing.
- Photo ID for everyone on the loan
- Pay stubs covering the last 30 days
- W-2s for the last two years
- Bank statements for the last two months, all pages
- Self-employed? Two years of personal and business tax returns
- If you served: your DD-214 or Certificate of Eligibility