First-time buyer guide
Pre-approval, cash to close and the path from offer to closing.
Explore first-time buyer guide →RESOURCES
Find the question behind the loan.
These guides are starting points. Bring your own numbers to John for a program-specific review.
Get ready for the purchase.
Plan the budget, documents and next steps.
Down payment assistance
Understand grants, loans, gifts and eligible seller credits.
Explore down payment assistance →Manufactured home
The details that affect financing for a home and land.
Explore manufactured home →Compare the options.
Navigate the program pages by your goal.
Conventional
A common choice for purchases and refinances, with eligibility based on the full financial picture.
Explore conventional →FHA
An insured loan option with its own mortgage insurance and property requirements.
Explore fha →VA
For eligible veterans, service members and others, subject to entitlement and lender guidelines.
Explore va →USDA
For eligible households and properties in qualifying areas.
Explore usda →Refinance
Review your current loan, equity, goals and closing costs.
Explore refinance →HELOC / home equity
Compare ways to use equity while considering the cost of your existing mortgage.
Explore heloc / home equity →DSCR
Some investor programs consider rental income relative to a property’s payment.
Explore dscr →Bank statement
An alternative documentation path for some self-employed borrowers.
Explore bank statement →Brief guides for real borrower questions.
Guidelines depend on the exact transaction and current lender rules.
Estimate principal and interest.
This excludes taxes, insurance, mortgage insurance, HOA fees and other costs. Results are estimates, not loan offers, approvals, disclosures or guarantees.
TALK THROUGH YOUR SCENARIO
Start with a conversation.
Tell John what you want to accomplish. He’ll help you sort through the options and next steps.