HOME PURCHASE MADE SIMPLE
BUY YOUR DREAM HOME
How To Buy A House With Confidence
Zero down payment options, pre-approval in 24 hours, and 160+ wholesale lender partners competing for your rate
Buy a House With as Little as 0% Down
VA and USDA loans let you buy with zero down payment. FHA starts at 3.5%, conventional at 3%. We match you with the program that fits your credit, income, and savings.
GET PRE-APPROVEDGet Pre-Approved in 24 Hours
A 10-minute online application gives us enough to run your credit, calculate your buying power, and tell you which loan programs you qualify for. Pre-approval letters are typically ready within one business day.
Talk to a Loan Officer
Not sure which program fits? A 15-minute call with one of our loan officers covers what you qualify for, what your monthly payment would look like, and whether you should wait or move now. No pressure, no commitment.
160+ Wholesale Lender Partners
We don't work with one bank. We compare rates and programs across 160+ wholesale lender partners to find the best deal for your situation. That competition between lenders saves you money.
Loan Programs for Every Buyer
Two programs offer 0% down. Three more start at 3-3.5%. Here are your options with real numbers.
Conventional
- As low as 3% down ($832,750 limit, up to $1,249,125 in high-cost areas)
- 620+ credit score, best rates at 740+
- No mortgage insurance with 20% down
FHA
- 3.5% down with 580+ credit (10% down for 500-579)
- Loan limits: $541,287 to $1,249,125 by county
- Gift funds and seller concessions up to 6% allowed
VA
- 0% down payment for eligible veterans and active duty
- No PMI, no loan limit for full entitlement
- Funding fee 1.25-3.3% (waived for disabled veterans)
USDA
- 0% down payment in eligible areas (more qualify than you think)
- Guarantee fee: 1% upfront + 0.35% annual
- Income limits apply (115% of area median)
Jumbo
- For loans above $832,750 (or county conforming limit)
- 680+ credit, 10-20% down typical
- 6-12 months reserves required
First-Time Buyer
- Down payment assistance programs (grants and silent seconds)
- CalHFA programs for California buyers
- Below-market rates and reduced fees available
Find Out What You Qualify For
A quick conversation with our team tells you which programs fit, what your payment looks like, and how much house you can afford.
Schedule a Free ConsultationUpdated 9/27/2026
How to Buy a House in California | SRK CAPITAL
Buying a house in California starts with understanding your budget, checking your credit, and getting pre-approved for a mortgage. SRK CAPITAL helps you compare loan programs, review current rate information, and outline the steps from application to closing, so you can make informed decisions throughout the California homebuying process.
- Pre-approval helps clarify your budget and shows sellers you are a prepared buyer before house hunting begins.
- Comparing loan programs, terms, and estimated costs can help you find options that align with your financial situation.
- Working with a knowledgeable loan officer can help you understand documentation requirements and the overall closing timeline.