Loan program
Home purchase loans in Culver City
Every way to finance buying a home, from first-time programs to jumbo. I find the one that fits you.
No credit check to see your options
Is it right for you?
Home purchase could be a fit if…
- You're buying a home at any price
- You're not sure which loan is right
- You want a pre-approval letter to shop with
- You want one person handling everything
The honest view
Pros and cons
What's good
- I compare programs and lenders for you
- A strong pre-approval makes your offers stronger
- One point of contact from offer to keys
What to watch
- Getting documents together takes some work
- Rates and rules change often
- Pre-approval isn't a final approval
Compare
How Home purchase compares
I compare these side by side with real lender pricing before you choose.
Swipe the table to compare →
| Feature | Home purchase | FHA | Conventional |
|---|---|---|---|
| Best for | Buying your home, any income type | First-time buyers still building credit | Two years of solid tax returns |
| Backed by | Depends on the program | Insured by the FHA (HUD) | Not government-backed (Fannie Mae / Freddie Mac rules) |
| Credit | Options for most credit profiles | Flexible — HUD's minimum is 500, many lenders want 580+ | Usually higher than FHA |
| Mortgage insurance | Depends on the program | Upfront and monthly premiums | Needed below 20% equity; removable later |
| Property | Main home, second home or rental | Your main home, 1–4 units | Main home, second home or rental |
| Loan limit | Depends on the program | Set by county | Conforming limit set by county |
How early should I get pre-approved?
Before you start touring seriously. It tells you your real budget and makes sellers take your offers seriously.
Does pre-approval hurt my credit?
It includes a credit check, but I'll tell you before it happens. Shopping several lenders in a short window usually counts as one inquiry.
How long does it take to close?
About 30 days is typical, sometimes faster. Getting documents in early speeds it up.
Can you help me find an agent?
Yes. I work with local agents I trust and can introduce you.
Reviews
Read all on GoogleDon't take my word for it
“Sample review — replace with a real one. Two banks said my income was too low. Brian used my business statements and got us approved.”
“Sample review — replace with a real one. Closed my second rental in my LLC without showing a single tax return.”
“Sample review — replace with a real one. Pulled equity for my studio build-out. Brian laid out three options in plain English.”
Let's see if Home purchase is your best option.
Two minutes, no credit check. I'll compare it against every other loan you qualify for.
Get My Home purchase QuoteOr call or text (310) 555-0177