Get Pre-Approved For A Mortgage
Today’s mortgage landscape offers more flexibility and opportunity than ever before—whether you’re a first-time buyer, upgrading, or investing, we can assist you.
We work closely with a trusted network of mortgage partners who stay on top of the latest lending options and guidelines. When you connect with us, we can introduce you to experienced loan professionals who offer personalized guidance and help you understand what you qualify for. They’ll walk you through the pre-approval process, explain your options, and make sure you’re financially ready to buy with confidence.
If you are not using all cash to purchase a home, you must be pre-approved before you start your home search. Let’s make sure your financing is lined up.
Popular Mortgage Loans
Beyond the popular home loan types featured here, a wider array of options exists, such as USDA and VA loans, etc. By choosing us as your buyer’s agent, you gain access to our network of mortgage experts dedicated to finding the ideal loan products tailored to your specific needs.
FHA Loans
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Minimum Down Payment: Only 3.5% required if your credit score is 580 or higher.
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Credit Flexibility: Buyers with scores between 500–579 can still qualify but must provide a 10% down payment.
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Debt-to-Income (DTI): Ideally 43% or lower, though some lenders may go up to 50% with compensating factors.
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2026 Loan Limits: The base FHA floor is $541,287 for single-family homes in standard-cost areas.
FHA Loans & DPA Programs
To combine a down payment assistance (DPA) program with an FHA loan, you generally must:
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Be a First-Time Buyer: Defined as not having owned a home in the last three years.
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Meet Income Limits: Most programs cap household income at 80% of the Area Median Income (AMI).
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Complete Education: A mandatory 8-hour homebuyer education course from a HUD-approved provider is standard.
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Contribute Personal Funds: Buyers typically must contribute at least $1,000–$1,500 of their own money toward the purchase.
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Occupancy Rules: You must live in the home as your primary residence. For grants, this is usually 5–10 years to avoid repayment; for DPA loans, the debt is often forgiven after this period.
Conventional 97 Loans
This is a low-down-payment mortgage option that allows qualified homebuyers to purchase a primary residence with as little as a 3% down payment. Backed by Fannie Mae and Freddie Mac, it serves as a non-government alternative to FHA loans, which require a 3.5% minimum down payment.
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First-Time Homebuyer Status: At least one borrower must not have owned any residential property in the last three years.
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Credit Score: A minimum score of 620 is generally required, though scores above 680 often secure significantly better interest rates and lower insurance costs.
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Debt-to-Income (DTI): Your monthly debt payments should typically not exceed 43% to 45% of your gross monthly income.
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Income Limits: The standard Conventional 97 program has no income limits. However, more targeted versions like Fannie Mae HomeReady and Freddie Mac Home Possible cap household income at 80% of the Area Median Income (AMI).
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Homebuyer Education: At least one occupying borrower must complete a homeownership education course from a qualified provider.
Fannie Mae Standard 97 - The Standard 97 is Fannie Mae's primary option for creditworthy buyers with limited savings.
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Target Audience: Exclusively for first-time homebuyers (defined as not owning a home in the last three years).
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Income Limits: There are no income limits for this program.
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Credit Score: Typically requires a minimum score of 620.
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Primary Use: Ideal for professionals or higher-income earners who have not yet saved a large down payment.
Fannie Mae HomeReady - HomeReady is a more flexible version of the 3% down loan, designed specifically for low-to-moderate-income borrowers.
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Repeat Buyers: Unlike the Standard 97, this program is available to both first-time and repeat buyers.
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Income Limits: Borrowers cannot earn more than 80% of the Area Median Income (AMI).
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Unique Flexibilities:
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Reduced Private Mortgage Insurance (PMI): Offers lower monthly PMI costs than standard conventional loans.
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Boarder Income: You can use rent from a non-borrower (like a roommate) who has lived with you for at least 12 months to help you qualify.
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Co-borrowers: Allows for non-occupant co-borrowers (e.g., parents who won't live in the home).
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Freddie Mac Home Possible - Home Possible is the Freddie Mac equivalent to HomeReady, offering nearly identical benefits with a few technical differences.
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Income Limits: Capped at 80% of the AMI.
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Credit Score: Generally requires a slightly higher score of 660 compared to HomeReady's 620.
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Repeat Buyers: Available to first-time and repeat homebuyers.
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Property Types: Can be used for 1-4 unit properties, provided you live in one of the units.
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Sweat Equity: This is one of the few programs that may allow you to use your own labor on home repairs (sweat equity) as part of your down payment.