Home Loans for Buyers and Homeowners in WA, OR, CA, ID, TX, and FL
Compare conventional, FHA, VA, jumbo, USDA, and renovation loans for a home purchase or refinance. Work with a mortgage broker who shops the options for you.
Home Loans for Buyers and Homeowners
Whether you’re buying your first home, moving up, or refinancing the loan you already have, the right mortgage depends on your down payment, credit, income, and plans for the property. We help you compare your options so you can choose with the full picture in front of you.
Buying a home
A purchase loan finances the home you want to live in. Before you start touring, get a pre-approval so you know your budget and can make a stronger offer.
What we look at:
- Your income and employment
- Your credit history
- Your savings for the down payment and closing costs
- Your existing monthly debts
Refinancing
Homeowners refinance to lower their payment, change their loan term, switch from an adjustable to a fixed rate, or turn home equity into cash. A refinance only makes sense if the savings outweigh the costs, and we’ll run the numbers with you before you commit.
Loan programs
| Program | Who it’s for | Key feature |
|---|---|---|
| Conventional | Buyers and homeowners with solid credit and a down payment | Flexible terms and a wide range of loan sizes |
| FHA | Buyers with a smaller down payment or lower credit scores | Government-insured, with more flexible qualifying |
| VA | Eligible veterans, service members, and surviving spouses | Often no down payment required |
| USDA | Buyers of homes in eligible rural areas | Often no down payment, with income and location limits |
| Jumbo | Buyers of higher-priced homes | Loan amounts above conforming limits |
| Renovation | Buyers or owners who want to fund repairs in the same loan | One loan covers the purchase or refinance plus the work |
| Fixed or adjustable rate | Depends on your plans and timeline | Fixed payments stay the same, while adjustable rates can change after an initial period |
Why work with a mortgage broker
A bank or direct lender offers you its own products. As a broker, we compare options across multiple lenders and programs, so you’re not limited to a single menu. Then we guide you through the file from application to closing.
How it works
- Tell us about your situation. A short conversation or an online application.
- Get pre-approved or review your options. We explain the programs that fit and what each one costs.
- Choose a loan. Compare rates, fees, and terms side by side.
- Documentation and underwriting. We collect your documents and keep the file moving.
- Appraisal and closing. We stay in touch until you have your keys, or your new loan is in place.
Questions to ask before you choose
- What is the full cost, including fees and mortgage insurance, and not only the rate?
- How long do I plan to keep this loan? Does a refinance’s savings outweigh its closing costs?
- Do I want the lowest payment, the lowest total cost, or the lowest cash needed up front?
Get started
Tell us what you’re planning, and we’ll walk you through the options.