Straight answers on loan programs, a calculator you can actually trust, and a free guide that walks you through the entire process — no pressure, no jargon.
Every buyer's situation is different. Here's a quick look at what's out there — happy to talk through which fits you on a call.
Best for buyers with solid credit and some down payment saved. Often the lowest long-term cost.
Lower down payment and more flexible credit requirements — a common first-time buyer path.
For eligible veterans and service members — often zero down, no PMI.
Zero-down option for eligible rural and suburban properties in qualifying areas.
Everything I explain on a first call, written down so you can go at your own pace — then call me with the questions that are actually specific to you.
Sent instantly. I'll follow up personally within one business day.
Your guide is on its way. I'll personally reach out within one business day to answer any questions.
A rough monthly payment estimate — your real number depends on rate, taxes, and insurance specific to the property.
Most buyers put down far less. FHA loans allow as little as 3.5% down, and VA/USDA loans can go to zero. 20% just avoids mortgage insurance — it's not a requirement to qualify.
FHA loans can work with credit scores well below what most people assume. The real question is what programs fit your specific score and situation — worth a quick call before you count yourself out.
A single pre-approval inquiry has a minimal, short-lived impact. Shopping rates within a focused window typically counts as one inquiry to your score, not several.
Pre-qualification is a rough estimate based on what you tell me. Pre-approval means I've actually verified your income, credit, and assets — it's what sellers and agents take seriously.