Buy a Home

Unlock your homebuying potential today. Explore tailored mortgage options, competitive rates, and expert support to make your path to homeownership smooth and stress-free.

Ready to Become a Homeowner?

Do I Qualify?

Lenders evaluate your ability to repay by reviewing your debt-to-income ratio (DTI)—the portion of your income that goes toward debt payments. Typical qualifying guidelines include:

  • Conventional loans often aim for about 28% front-end (housing costs) and 36% back-end (all debts), though many lenders allow back-end ratios up to 43–45% depending on credit, reserves, and compensating factors.

  • FHA loans generally allow up to 31% front-end / 43% back-end, with possible flexibility (up to ~50%) if you have strong credit or extra cash reserves.

  • VA loans typically use a single DTI threshold of 41%, although higher ratios may be approved with compensating factors. 

Other factors that influence qualification include your credit score, down payment size, cash reserves, employment history, and the specific lender’s overlays.

Mortgage Home Purchase Loans — Simplified

Buying a home or real estate should feel exciting—not stressful. At Your company name, we aim to make mortgage financing clear, fast, and tailored to your situation. Start with a free pre-approval letter and take control of your offer power.

We’ll help you compare mortgage types—conventional, FHA, VA, jumbo, adjustable-rate—and choose the one that works best for you, whether you’re a first-time buyer or seasoned investor.

The Home Purchase Loan Process

Here’s how our home purchase loan process works:

Benefits of the Home Purchase Loan Process

Here’s Benefits of the Home Purchase Loan Process:

Get Your FREE Pre−Approval Letter Now!