Home Purchase Loans
Financing to buy your next home in FL, GA, or SC.
Overview
Whether you're a first-time buyer or a seasoned homeowner moving up, our purchase loan process is built around your timeline and your budget, not a single bank's rate sheet. As an independent broker, we shop conventional, FHA, VA, and other purchase programs across a wholesale lender network, then walk you through the option that actually fits your down payment, credit profile, and the home you have your eye on — from your first pre-approval conversation through the closing table.
Who It’s For & What You’ll Need
- Proof of income and employment, typically recent pay stubs, W-2s, or tax returns
- A credit score that meets the minimum for the specific purchase program you use (minimums vary by loan type)
- Funds for your down payment and closing costs, verified through recent bank statements
- A debt-to-income ratio within your chosen program’s guidelines
- A signed purchase contract once you’re under contract on a home
Benefits
- Access to conventional, FHA, VA, USDA, and jumbo purchase options through one wholesale lender network instead of a single bank’s menu
- A pre-approval letter that strengthens your offer before you start touring homes
- One dedicated loan originator who manages your file from application through closing
- Rate and program shopping done on your behalf, so you see real comparisons instead of one quote
Common Scenarios
- A first-time buyer with steady W-2 income who wants the lowest reasonable down payment on a starter home near North Charleston.
- A growing family selling their current home and buying up, timing two closings so they aren’t stuck without a place to live.
- A relocating buyer who needs a strong pre-approval letter fast to compete in a tight local market.
Frequently Asked Questions
How long does it take to close on a purchase loan?
Most purchase loans close in roughly 30 to 45 days from a signed contract, though the exact timeline depends on the loan program, how quickly documents are returned, and the appraisal and title schedule.
Do I need a 20% down payment to buy a home?
No. Many purchase programs allow down payments well below 20% — some as low as 0% to 3.5% depending on the loan type and your eligibility. We’ll walk through which programs you qualify for and what each down payment level means for your monthly payment.
What’s the difference between pre-qualification and pre-approval?
Pre-qualification is a quick, informal estimate based on information you provide. Pre-approval involves verifying your income, assets, and credit, and results in a letter that carries real weight with sellers and agents when you make an offer.
Can I still buy a home with less-than-perfect credit?
Often, yes. Different purchase programs have different minimum credit score requirements, and some are specifically built to be more flexible. We’ll review your credit profile and point you toward the programs realistically available to you.
Related Calculators
Run your own numbers before you apply:
Ready to Move Forward with Home Purchase Loans?
Start your application, or talk it through with a loan officer first — whichever fits where you are.