To buy a home, most lenders require a minimum credit score of 620 for a conventional mortgage. However, there are home loan options available for buyers with lower scores, like FHA loans, which may accept credit scores as low as 580. If you're concerned about your credit, let’s discuss how to improve it and explore the best mortgage options available to you.

The amount you can afford for a mortgage depends on several factors, including your income, debt-to-income ratio, and the size of your down payment. Generally, lenders recommend spending no more than 28-31% of your monthly income on housing costs. Use our mortgage affordability calculator to get an estimate, and let’s discuss a personalized loan strategy that fits your financial goals.

There are several home loan options available depending on your financial situation. Conventional loans are common for buyers with good credit, while FHA loans are ideal for first-time homebuyers or those with lower credit scores. VA loans are available for veterans, and USDA loans offer low- to moderate-income buyers an affordable path to homeownership in rural areas. Let’s review which loan program is best for your needs.

Yes, you can qualify for a mortgage if you’re self-employed! While lenders may require additional documentation, such as tax returns and profit-and-loss statements, there are home loan programs designed specifically for self-employed borrowers. We specialize in helping business owners and entrepreneurs secure the right mortgage options for their unique needs.

The amount required for a down payment depends on the type of mortgage you choose. Conventional loans typically require a down payment of 5-20%, while FHA loans may require as little as 3.5%. VA and USDA loans offer no down payment options for eligible borrowers. Let’s find the best mortgage program that matches your financial situation and down payment budget.