What you should know about buying a home
Buying a home is one of the largest financial decisions most people make. The good news: you may need less cash up front than you might expect, and there are several loan paths designed for different credit profiles, down payment sizes, and property types.
Down payment myths vs. reality
- Myth: You always need 20% down.
Reality: Some down payment requirements may be less. First-time buyers typically can qualify for a lower down payment, depending on loan type and qualifications - Myth: You need perfect credit.
Reality: Lenders look at your full profile—income, savings, debts, and credit history—not a single number.
Popular purchase options we help with
- FHA loans — flexible credit and down payment paths for many first-time buyers.
- VA loans — $0 down* for eligible veterans and service members.
- USDA loans — $0 down** for eligible rural and suburban properties.
- Conventional loans — including low-down-payment options for qualified borrowers.
- Down payment assistance — when you qualify for local or program-specific help.
Next step
Tell us your timeline, budget comfort zone, and whether the home will be your primary residence. We will match you with options that fit your scenario and explain the numbers in plain language.
Contact us to see what you qualify for
*100% financing up to the appraised value of the property.
**100% LTV of the appraised value plus the guaranteed fee.
All loans are subject to credit and underwriting approval. Program guidelines, rates, and limits change. This page is for general education and is not a commitment to lend. Ask a licensed loan officer for details that apply to you.