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Buying a home? Get matched with purchase mortgage lenders in minutes
Answer a few quick questions and we'll connect you with lenders and loan officers who fit your goals, credit and budget — whether it's your first home or your next one.
- 2-minute questionnaire
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- Nationwide lender network
- All 50 states + DC
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What are you looking to do?
Free · Takes about 2 minutes · No credit impact
FHA, VA, USDA & conventional
Every major purchase loan
51 state guides
Local programs & limits
7 free calculators
Plan your budget
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How does it work?
1. Tell us about your purchase
Where you're buying, your timeline, price range and credit — one quick question at a time.
2. Get matched
We share your request with lenders and loan officers in our network who serve your area and scenario.
3. Compare and get pre-approved
Talk with a loan officer, compare options and get a pre-approval letter to shop with confidence.
How much house can you afford?
Most lenders want total housing costs near 28% of gross income. Plug in your income, debts and down payment to see your maximum price, payment and DTI.
Try the affordability calculatorWhich loan type fits you?
All loan types →Conventional Loan
Not government-backed; as little as 3% down for first-time buyers, PMI removable at 20% equity.
FHA Loan
Government-insured; 3.5% down with a 580 credit score and flexible debt-to-income rules.
VA Loan
For eligible veterans, service members and surviving spouses: 0% down and no monthly mortgage insurance.
USDA Loan
0% down for moderate-income buyers in eligible rural and suburban areas.
Jumbo Loan
For loan amounts above the conforming limit; usually 10–20% down and 700+ credit.
DSCR Purchase Loan
Investment-property loans qualified on the rental income of the property, not personal income.
First-time home buyer? Start here.
If you haven't owned a home in the past three years, you likely qualify as a first-time buyer — which can unlock 3% down conventional loans, state down payment assistance and homebuyer tax credits.
Find home buying programs in your state
Loan limits, down payment assistance and typical costs for all 50 states and DC.
Latest guides
All guides →New Construction
Construction-to-Permanent Loans Explained (One-Time vs Two-Time Close)
How construction-to-permanent loans work: draws, interest-only payments during the build, one-time vs two-time close, and FHA, VA, USDA and conventional options.
New Construction
Builder Rate Buydowns Explained: 2-1 vs Permanent Buydowns
How builder-paid mortgage rate buydowns work, what a 2-1 buydown saves, how permanent buydowns use discount points, and the seller-contribution limits.
New Construction
Should I Use the Builder's Preferred Lender?
Builder incentives vs. shopping your own mortgage: what RESPA says, how to compare Loan Estimates, and when the builder's lender is worth it.
New Construction
VA New Construction Loans: Buying or Building With 0% Down
How to use a VA loan for a newly built home: 0% down, VA builder ID, one-year warranty, funding fee, and VA construction-to-permanent loans.
New Construction
Can You Use an FHA Loan for New Construction?
Yes — FHA loans work for newly built homes with 3.5% down. Here are HUD's builder documentation rules, the 90% LTV limit, and FHA one-time close loans.
Pre-Approval
How to Get Pre-Approved for a Mortgage (Step by Step)
The exact steps to get a mortgage pre-approval: check credit, gather documents, compare lenders and get your letter — usually in 1–3 days.
Frequently asked questions
Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.
Purchase Mortgage Loan