The right mortgage depends on your credit, income, down payment, property, timeline, and goals. We compare programs side-by-side so you can choose with confidence — wholesale pricing, plain-English answers, one broker from first call to closing day.
Answer four quick questions and we'll show you the loan programs that match your situation.
A ballpark is fine — you don't need to check your score for this.
VA loans offer 0% down and no PMI for eligible service members.
Based on your answers, these programs are likely the strongest match. The card grid below filters automatically.
A 5-minute application kicks things off. Soft credit pull only — your score is unaffected.
Day 1We shop 30+ wholesale lenders and bring you side-by-side options with full APR disclosure.
Day 1–3Upload documents through a secure portal. We get conditions cleared and the loan approved.
Day 4–18Mobile notary at your home or office. Funds wire. You get the keys (or the cash, on a refi).
Day 19–21Quick honest answers. Anything missing? Ask us directly.
About 5 minutes for the initial application. We only need a soft credit check at this stage — there's no impact to your credit score and no commitment to move forward.
It varies by loan type. FHA can go as low as 580 (sometimes 500 with 10% down). VA loans don't have a strict minimum but most lenders look for 620. Conventional loans start at 620, with the best rates at 740+. Jumbo loans typically require 700+.
Less than you think. VA loans are 0% down. FHA is 3.5%. Conventional starts at 3% for first-time buyers and 5% for others. Down payment assistance programs may stack on top — we'll check what you qualify for.
Rate is the cost of borrowing the money. APR is rate + lender fees + points expressed as an annualized percentage. APR is the apples-to-apples way to compare loan offers because it captures the full cost.
Nothing extra to you. Brokers are paid by the wholesale lender at closing — that compensation is already factored into the rate sheet. Because wholesale rates are typically lower than retail bank rates, our clients usually still pay less overall.
Typical purchase close is 21–28 days from application. Refinances run 21–35 days. Cash-to-close purchases and prepared files can close in as little as 14 days.
Yes. Once your application is in and you've chosen a program, you can lock for 30, 45, or 60 days at no extra cost. Longer locks are available for new construction.
Last 2 paystubs, 2 years of W-2s and tax returns (or business returns if self-employed), 2 months of bank statements, ID, and a few signed disclosures. Self-employed and investor files have additional items — we send a personalized checklist.
Apply in five minutes. We'll come back the same day with personalized options from the lenders that fit your file.