That depends on your income, credit, monthly debts, and how much you plan to put down. But you don’t need to guess — when you fill out the form, we’ll give you a clear home price range based on your actual numbers, not just a rough estimate.

Most first-time buyers put down 3–5%. Some loan programs offer 0% down, but having some savings makes the process smoother and gives you more options.

Most loan programs technically start at 580, but having a 620 or higher gives you a much better chance of approval. Even if your score meets the minimum, recent late payments, collections, or high debt can still cause issues. If you're close, we’ll help you check your credit and show you what to work on so you can move forward with confidence.

Yes — and here’s why: getting pre-approved first tells you exactly what price range to shop in, makes your offer stronger, and helps avoid surprises later. We’ll make the process quick and painless.

Once you fill out the form, we typically reach out the same day and can give you a clear idea of what you qualify for within 24–48 hours — faster if you’re ready with your info.

We’ll review your info, reach out with what you qualify for, and give you a simple plan to move forward — no pressure, no surprises.

In addition to your down payment, you’ll need to budget for closing costs (usually 2–5% of the purchase price), home inspections, and appraisal fees. In some cases, we can help negotiate for the seller to cover part of your costs.