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Adjustable or Fixed-Rate Mortgage?

An adjustable-rate mortgage (ARM) is a type of mortgage where the interest rate applied to the outstanding balance varies throughout the life of the loan. A fixed-rate mortgage is a type of mortgage where the interest rate remains the same throughout the loan term. Both have their pros and cons, and your loan officer would be more than happy to have a more in-depth conversation about which might work better for you.

And your loan term?

Usually 30 years, but just in case you need it — we can customize your loan term (the set period of time over which your loan is repaid) to be anywhere from 8 to 30 years. A lower number of years can often mean a higher monthly payment, however, borrowers will sometimes go with a shorter loan term if they plan to retire or pay off their mortgage sooner (among many other reasons).

Different loan programs, different guidelines. One point of contact.

purchase loan products

Conventional Purchase

A variety of options with excellent choices for qualified applicants.

JUMBO Purchase

Financing options up to $3 million for higher value homes with loan amounts that exceed conventional conforming limits set by FHFA.

FHA Purchase

Makes buying a home with little money saved or less-than-perfect credit a reality!

VA Purchase

Affordable financing options for qualified veterans, service members, and spouses.

Need help choosing?

USDA Purchase

Affordable financing options for properties located in designated rural areas for low-to-moderate income households.

pre-approvals

Get Pre-approved —Same Day, We're Fast.

Signed, sealed and sent off after receiving your application, pulling credit, and determining eligibility. So you can get an offer in quickly and w/ confidence.

Restrictions Apply: Same-day pre-approval must be explicitly requested by you at the time of submission of your complete loan application. Your loan application must be submitted by 1pm PST. If your assigned loan officer has additional questions regarding your submission, you may not be eligible to receive same-day pre-approval. Receipt of a pre-approval in any circumstance is subject to credit and program approval.
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Commonly Asked Questions by Homebuyers

FREQUENTLY ASKED QUESTIONS
Do I need a home inspection?

Although a home inspection is not required, it is a good idea to obtain the services of a professional qualified inspector to help you determine the condition of the home you are looking to purchase. A professional inspector will look for any structural issues as well as mechanical problems that may exist in the home that could cause problems in the future. In addition to a structural review, an inspector will also check faucets, toilets, appliances, and other items in the home to make sure everything is in working order. If something needs to be addressed, you can address them with the seller prior to closing.

How do I know how much I can afford?

There are several factors that determine the home loan amount and purchase price that you can afford. For qualification purposes, lenders look at income, debt, assets (how much money you have for the down payment, closing fees, points, and other funds necessary to close your home loan), as well as credit. There are many different loan programs that offer different terms and rates, and some require lower down payments than others and offer more flexibility in credit and income. You can always use a mortgage affordability calculator to find out what your payments would be and determine what purchase price and loan amount is comfortable for you. Or we can do it for you!

How long is the home purchase process?

A typical escrow period is 30, 45, or 60 days. The escrow period, defined on the purchase contract and agreed upon by both buyer and seller, is usually what dictates when your loan closes. If you have already entered escrow and are closing in less than 30 days, we may still be able to close your loan on time if we are brought into the loop as soon as possible.

How much money do I need to buy a home?

Traditional conventional financing may require a down payment of as little as 3% of the purchase price of the home; however, there are other home loan programs available such as our FHA program that allows you to buy a home with as little as 3.5% down. In addition to the down payment, you should be aware that there are other fees associated with purchasing a home. For example, there are closing fees, pre-paid interest, and prorated items such as property taxes and homeowner's insurance.

What type of documents do I need for a purchase loan?

Standard documentation collected for a purchase transaction includes information regarding your income such as paystubs covering the most recent 30 days and W-2s for the last two years, asset information such as bank or mutual fund stock statements covering the last 60 days showing source of funds for your down payment, closing fees, points, pre-paid items, and other funds needed to close your home loan.