Considering Buying a Home?

⚠️ Friendly Reminder:

Every program has its own guidelines, and eligibility isn’t guaranteed. The best way to find out what you qualify for is to speak with a licensed loan expert who can review your full financial picture.

✅ Purchase Products (Full Doc, Conforming)

These are your standard agency-backed loans with full income verification. QM: Qualified Mortgage

1. Conventional (Fannie/Freddie)

  • 620+ FICO

  • 3% down for first-time buyers

  • DTI up to 50% (depending on AUS)

  • Private MI required if <20% down

  • Great for: W-2 borrowers, strong credit, buying primary or second homes

2. FHA

  • 580+ FICO (some allow 500–579 w/ 10% down)

  • 3.5% down minimum

  • More flexible on DTI and credit history

  • Mortgage Insurance Premium (MIP) required

  • Great for: First-time buyers, limited credit, low reserves

3. VA

  • 0% down for eligible veterans/active duty

  • No Mortgage Insurance

  • Flexible on credit and reserves

  • Great for: VA-eligible buyers, especially with limited cash

4. USDA

  • 0% down in rural areas

  • Income limits by county

  • Must be owner-occupied

  • Great for: Low-to-moderate income buyers in rural areas

Buying a Home? Let’s Make a Plan.


If your questions are about purchasing — from down payment assistance to self-employed qualifying or first-time buyer programs — you’re in the right place.

I’ll break down your options, explain what you qualify for, and help you compare programs so you know exactly what’s possible for your budget and goals.

No guesswork. No one-size-fits-all answers. Just clear, personalized guidance to help you move forward with confidence.