Your Path to Homeownership Starts Here
Whether you’re buying your first home or your forever home, we’ll guide you through every step—from pre-approval to closing day.
What describes you best?
First-Time Buyer
Buying your first home and not sure where to start
First-Time Buyer
From Renter to Owner
You’ve been paying rent for years, watching it increase every lease renewal. You’ve saved diligently but feel overwhelmed by the mortgage process. The good news? Homeownership is closer than you think—and you don’t need 20% down to get there.
1
24-48 hours
Get Pre-Approved
Discover what you can actually afford—many first-time buyers qualify for as little as 3% down. No judgment, just clarity. We’ll review your income, credit, and savings to determine your buying power and provide a pre-approval letter that shows sellers you’re serious.
2
Varies (typically 4-12 weeks)
Find Your Home
Shop with confidence knowing exactly what you can afford. Your pre-approval letter shows sellers you’re a serious, qualified buyer—giving you an edge in competitive situations. Work with a real estate agent to tour homes and make offers.
3
1-3 days
Apply & Lock Your Rate
Once your offer is accepted, submit your full mortgage application through our online portal. We’ll help you lock in your interest rate to protect against market changes. Upload your documents from your phone or computer—pay stubs, bank statements, tax returns.
4
2-4 weeks
Underwriting & Clear to Close
We verify everything behind the scenes—your employment, income, the home’s appraised value. Stay responsive to any document requests and you’ll hear “Clear to Close” before you know it. This is the behind-the-scenes work that finalizes your loan approval.
5
1 day
Close & Get Your Keys
Sign the final documents at the closing table, transfer your down payment and closing costs, and receive the keys to your first home. Your loan officer will be available to answer any last-minute questions. Welcome to homeownership.
3.5% down payment
FHA Loans
Flexible credit requirements and lower down payments make FHA loans ideal for first-time buyers. Government-backed for added security.
As low as 3% down
Conventional Loans
Traditional financing with competitive rates. Put down 20% to avoid mortgage insurance, or go lower with PMI options.
Grants & low-interest loans
Down Payment Assistance Programs
Many state and local programs help first-time buyers with down payments and closing costs. We’ll help you find programs you qualify for.
Is Buying Right for You?
See how your monthly rent compares to owning a home in your area.
“We thought we needed 20% down and perfect credit. Our loan officer showed us we qualified for an FHA loan with just 3.5% down. Six months later, we closed on our first home—and our mortgage payment is less than our old rent.”
Marcus & Diana T.
First-Time Buyers, Sacramento, CA
Ready to Stop Renting?
See what you qualify for in about 10 minutes. No commitment, no obligation.
Military & Veteran
Active duty, veteran, or military spouse
Military & Veterans
Serving Those Who Served
You’ve served your country—now let your service work for you. VA loans offer benefits most civilians can’t access: zero down payment, no PMI, and competitive rates. Whether you’re active duty, a veteran, or a military spouse, homeownership is within reach.
1
24-48 hours
Get Pre-Approved
We understand military income—BAH, deployment pay, all of it. We’ll help you obtain your Certificate of Eligibility and show you your full buying power. Most veterans qualify for $0 down with rates lower than conventional loans. Your service has earned you this benefit.
2
Varies (typically 4-12 weeks)
Find Your Home
Your VA pre-approval carries serious weight with sellers. Find a home that fits your family’s needs and your post-service plans—whether you’re putting down roots or buying in a location you may rent out later during a PCS move.
3
1-3 days
Apply & Lock Your Rate
Submit your application along with your DD-214 and Certificate of Eligibility. We handle the VA-specific paperwork—you focus on your career transition or service. Lock in your rate and know exactly what your payment will be.
4
2-4 weeks
Underwriting & Clear to Close
The VA appraisal ensures the home meets minimum property requirements—this protects you, not just the lender. Our team navigates VA requirements daily and knows exactly what’s needed for smooth approval. You’ll receive “Clear to Close” when everything checks out.
5
1 day
Close & Get Your Keys
Sign the papers and step into your new home—a benefit you earned through your service to this country. With zero down payment required and no PMI, you’ll keep more cash in reserves for your family’s next chapter.
0% down, no PMI
VA Purchase Loans
The gold standard for military homebuyers. Zero down payment, no private mortgage insurance, and competitive interest rates backed by the Department of Veterans Affairs.
Higher loan limits
VA Jumbo Loans
Buying in a high-cost area? VA Jumbo loans extend your benefits beyond standard conforming limits, still with favorable terms.
Finance improvements
VA Energy Efficient Mortgage
Roll energy-efficient upgrades into your VA loan—solar panels, insulation, new windows—and lower your utility bills from day one.
Confirm Your VA Loan Eligibility
Answer a few questions to see if you qualify for VA loan benefits.
“After 12 years of moving from base to base, I finally own a home. My VA loan required zero down and my rate was lower than my civilian coworkers got with conventional loans. My lender understood military finances completely—they didn’t blink at my LES.”
Jennifer O.
U.S. Army Veteran, San Antonio, TX
Your Service Has Earned This
Check your VA loan eligibility and see your buying power—it takes about 10 minutes.
Growing Family
Current homeowner ready for more space
Growing Family
Making Room for What Matters
Your starter home served you well, but your family has outgrown it. You need more bedrooms, more bathrooms, more space—without starting over in a new school district or community. The equity you’ve built can power your move to a larger home.
1
24-48 hours
Get Pre-Approved
Discover how much equity you’ve built and how it translates to buying power for a larger home. We’ll help you understand your options—whether you sell first, buy first, or coordinate both simultaneously. Your home’s appreciation may surprise you.
2
Varies (typically 4-12 weeks)
Find Your Home
Search with confidence knowing your numbers. Need to stay in the same school district? We get it. We can help you navigate contingent offers or explore bridge financing if timing between selling and buying gets complicated.
3
1-3 days
Apply & Lock Your Rate
Submit your application while listing your current home. We’ll coordinate timelines so nothing falls through the cracks. Lock your rate on the new home while your current property generates buyer interest.
4
2-4 weeks
Underwriting & Clear to Close
We manage the moving pieces—your sale, your purchase, the appraisals, the timing. Communication is key during this phase. You’ll receive “Clear to Close” on your new home when everything aligns.
5
1 day
Close & Get Your Keys
Close on both homes in sequence—often the same day or same week—and move directly into the space your family needs. No temporary housing, no storage units, no staying with relatives. Just your new home, ready for your growing family.
Leverage your equity
Conventional Loans
Your built-up equity becomes a powerful down payment. Strong equity positions often mean better rates and no PMI on your new, larger home.
For larger home purchases
Jumbo Loans
Moving up often means exceeding conforming loan limits. Jumbo loans provide financing for higher-priced homes with competitive terms.
Buy before you sell
Bridge Loan Options
Need to secure your new home before your current one sells? Bridge financing provides short-term funds to make it happen without contingencies.
What Can Your Next Home Look Like?
Factor in your current equity and see how much home you can afford.
“We were nervous about selling and buying at the same time with two kids and a baby on the way. Our loan officer coordinated everything—we closed on the sale of our starter home in the morning and our new 4-bedroom that afternoon. Moved in the same week.”
The Nguyen Family
Move-Up Buyers, Riverside, CA
Ready for More Space?
Let’s calculate your equity and explore your move-up options.
Self-Employed
Business owner or independent contractor
Self-Employed
Building a Home While Building a Business
Your business is thriving, but your tax returns don’t tell the whole story. Traditional lenders may not understand entrepreneurial finances—we do. Loan programs exist that recognize your true financial picture, not just your taxable income after deductions.
1
24-48 hours
Get Pre-Approved
We look beyond tax returns. Bank statements, business cash flow, and asset reserves can tell a more complete story of your financial strength. With the right documentation, your business success translates directly to mortgage approval.
2
Varies (typically 4-12 weeks)
Find Your Home
Search for a property that supports both your life and your business. Home office space, workshop areas, equipment storage—the right property can actually improve your business cash flow by eliminating separate rental costs.
3
1-3 days
Apply & Lock Your Rate
Submit 12-24 months of bank statements, your business license, and supporting documentation. We’ll help you organize everything exactly how underwriters need to see it. Lock your rate knowing your business success is finally being recognized.
4
2-4 weeks
Underwriting & Clear to Close
Underwriters verify your business through bank deposits, client contracts, and CPA letters. Expect questions about seasonal income variation—we’ll prepare you for them. Self-employed files sometimes take slightly longer, but the outcome is worth it.
5
1 day
Close & Get Your Keys
Sign the papers and own a home that works as hard as you do. Your entrepreneurial success—the risks you took, the business you built—has translated into homeownership on your terms.
12-24 month statements
Bank Statement Loans
Qualify based on your actual bank deposits rather than tax returns. Ideal for self-employed borrowers whose write-offs reduce taxable income.
Use your assets as income
Asset-Based Loans
Significant savings, investments, or retirement accounts? Asset depletion programs convert your wealth into qualifying income.
Traditional option with flexibility
Conventional Loans
With 2+ years of self-employment history and proper documentation, many business owners qualify for standard conventional financing.
Know What You’ll Need
Get the complete documentation checklist for self-employed borrowers before you apply.
“Other lenders looked at my tax returns and said no. My loan officer here looked at my bank statements and saw what was actually happening—a profitable landscaping business. I closed on a property with space for my equipment, and my mortgage is offset by the storage rental I no longer pay.”
David M.
Business Owner, Fresno, CA
Your Business Success Deserves a Home
Let’s find the right loan program for your self-employed situation.
FAQs
Frequently Asked Questions
Q1: How much do I need for a down payment?
Q2: What credit score do I need to buy a home?
Q3: How long does the mortgage process take?
Q4: What’s the difference between pre-qualification and pre-approval?
Q5: Can I buy a home if I’m self-employed?
Q6: What documents will I need to apply?
Q7: How do I know which loan type is right for me?
Q8: What are closing costs?
Testimonials
Read our client testimonials
Rating
Amanda Bateman
March 7, 2026
Very knowledgeable and super friendly. Made the home buying process easy! I would highly recommend!
Mark Fletcher
February 26, 2026
We had an excellent experience working with Mack Massey on our home purchase. His communication was exceptional — always clear, timely, and proactive. He made sure we understood every step and felt confident throughout the entire process. Mack’s support and professionalism truly made a difference. We highly recommend him to anyone looking for a smooth and stress-free home buying experience.
Gabriel Arambula
February 13, 2026
By far the best experience I've ever had obtaining a home loan. From start to finish the process was seamless. The terms on my loan were better than any other lender I spoke to. At the very least, call them. You won't be sorry!
Nielsen Lizardo
December 3, 2025
We had so many questions being first-time home buyers but she was always very patient with us and provided us with the pros/cons to help make our decisions.
Luis Ruiz
November 10, 2025
Excellent work performance she knows what she is doing to perfection couldn’t have asked for a better nicer person absolutely loved working with her.
Your Home Is Waiting
Get pre-approved in about 10 minutes. No commitment, no obligation—just clarity on what you can afford.