Whether it's your first home, your forever home, or your next investment, we'll match you with the right loan, lock in a competitive rate, and get you to closing on time.
Buying a home is the biggest financial move most people make. We treat it that way, explaining your options clearly, structuring the loan around your goals, and keeping the process moving so you don't lose the home over avoidable delays.
Whether you need a low down payment, a jumbo loan for a high-cost area, or specialized financing for self-employed income, we have the programs and the experience to make it work.
A purchase loan is exactly what it sounds like, a mortgage used to buy a property rather than refinance one you already own. Within that single category sit dozens of programs and structures, and the right one depends on your credit profile, down payment, the kind of property you're buying, whether it's a primary residence, second home, or investment, and where the property sits within the California loan-limit map.
The purchase loan process starts with a pre-approval, not a pre-qualification. A real pre-approval means we've collected your income documents, pulled credit, run automated underwriting, and confirmed a maximum loan amount with a written letter that listing agents and sellers will actually respect. In competitive California markets, a strong pre-approval letter is the difference between getting your offer read and getting your offer accepted.
Once you're under contract, the loan moves through processing, appraisal, underwriting, conditional approval, clear to close, and funding, typically over 21 to 30 days, sometimes faster on streamlined files. We coordinate directly with your real estate agent, escrow, and title to keep the timeline tight, and we never pass a file off to a junior loan officer once it's in motion. The same person who pre-approves you signs off on your closing.
We work with a wide range of loan programs so we can match the right loan to your goals, credit, and down payment.
Fixed and adjustable-rate options for qualified borrowers with down payments as low as 3%.
Learn more →Government-backed loans with flexible credit and a 3.5% minimum down payment.
Learn more →Zero-down financing for active-duty service members, veterans, and eligible families.
Learn more →Financing above conforming loan limits for luxury and high-cost-area homes.
Learn more →Low down payments, down-payment assistance, and step-by-step guidance.
Learn more →Loans for rentals, second homes, and portfolio expansion across California.
Learn more →Self-employed? Qualify using bank statements instead of tax returns.
Learn more →Vacation and getaway property financing with competitive rates.
Learn more →Submit a short application. We review your finances and issue a pre-approval letter, often the same day.
Shop with confidence. Sellers take pre-approved offers more seriously, especially in competitive markets.
We handle underwriting, appraisal, and final docs, most purchase loans close in 21–30 days.
It depends on the loan. VA and USDA can be 0% down, FHA starts at 3.5%, and conventional loans can go as low as 3% for qualified buyers.
FHA loans accept scores as low as 580 (sometimes lower). Conventional usually wants 620+, and the best rates kick in around 740+.
Same day in most cases, once you submit basic income, asset, and credit info. The letter is typically valid for 60–90 days.
Pre-qualified is a quick estimate. Pre-approved means we've verified your finances and you have a real letter to use with offers.
Closing costs typically run 2–4% of the purchase price and include lender fees, title, escrow, taxes, and prepaids. We give you a clear breakdown upfront.
Yes. We offer bank statement loans and other programs designed specifically for self-employed buyers.
It takes about 5 minutes and there's no obligation. Let's see what you qualify for.