Buying a Home: Start Here

One application, one credit pull, 30+ mortgage lenders compared. Pick the question you have right now and get a straight answer.

Getting ready

How much do I need for a down payment?

Usually less than you think. Many conventional programs start at 3% down and FHA at 3.5%. VA and USDA loans can be 0% down for buyers who qualify.

First-time home buyer programs →
8 ways to come up with your down payment →

Can I get help paying my down payment?

Yes. Down payment assistance comes as grants or as forgivable or repayable second mortgages, often 3.5% to 5% of the price. Many programs do not require you to be a first-time buyer.

Down payment assistance programs →

What credit score do I need to buy a house?

It depends on the loan. Many programs start around 620, and some FHA options go lower. Your score also sets your rate, so check it before you shop.

Check your VantageScore free →
Credit score needed to buy a house →
Compare loan programs →

How much house can I afford?

Your payment includes principal, interest, taxes and insurance. Run the numbers before you tour homes so you shop in the right price range.

See what you can afford →
Free mortgage calculators →
How to budget for your first home →

Getting approved

How do I get pre-approved?

Apply once, we pull credit once, and your file is compared across 30+ lenders. You get a pre-approval letter you can hand to your agent.

Get pre-approved →
How to buy a home, step by step →

Which loan program is right for me?

Conventional, FHA, VA, USDA and jumbo loans each fit a different buyer. Compare them side by side.

Compare loan programs →

Self-employed or paid on commission?

Bank statement loans qualify you on your deposits instead of your tax returns.

Bank statement loans →
No income documentation mortgage →

Special situations

Do I have to sell my home before I buy?

Not always. Buy Before You Sell can unlock your equity so you can make a non-contingent offer.

Buy Before You Sell →

Buying a home that needs work?

Renovation loans let you finance eligible repairs together with the purchase.

Renovation loans →

Already have a Loan Estimate?

Put it to the TRU Test. We compare your offer against 30+ lenders on rate and fees.

The TRU Test →

Need a real estate agent?

We can match you with an agent in your area from our Realtor Referral Network, so your agent and your lender work as one team.

Realtor Referral Network →

Not all borrowers will qualify. Programs, rates and terms vary by lender and are subject to underwriting approval. Dan Frio | NMLS #246527 | PBT Bancorp | NMLS #257781. Equal Housing Lender.