How To Buy A House With Confidence
Zero down payment options, pre-approval in 24 hours, and 200+ lenders 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.
200+ Lender Partners
We don't work with one bank. We compare rates and programs across more than 200 lenders 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 Consultation