Down payment
3% — 20%
PMI required under 20% — drops automatically at 78% LTV.
Eight loan programs, six down-payment-assistance options, and one broker who calls you back. Same-day pre-approvals, locked at the wholesale rate.
Fixed and adjustable rates from 3% down. Ideal if your credit is in good shape, your income is documentable, and you want flexibility on property type — primary, second home, or duplex. We'll auto-shop 47 wholesale lenders to find your lowest par rate.
| Term | Rate · APR | Points | Monthly P&I* | |
|---|---|---|---|---|
| 30-yr conv. fixed | 6.42% | 0.50 | $2,138 | Lock |
| 25-yr conv. fixed | 6.30% | 0.50 | $2,224 | Lock |
| 20-yr conv. fixed | 6.18% | 0.25 | $2,476 | Lock |
| 15-yr conv. fixed | 5.74% | 0.50 | $2,820 | Lock |
| FHA 30-yr | 6.05% | 0.50 | $2,051 | Lock |
| VA 30-yr | 5.88% | 0.00 | $2,012 | Lock |
*Assumes $340k loan, 740+ FICO, 20% down, owner-occupied SFR. Equal Housing Lender · NMLS 184432.
Forgivable second mortgage for first-time buyers under 80% area median income. Forgiven after 5 years in the home.
First-time buyers · IowaDown-payment and closing-cost assistance, paired with NIFA's below-market 30-year fixed rate.
Nebraska · < 115% AMILender-provided grant covering the entire 3% conventional minimum down. Fully forgivable, no repayment.
All states · 660+ FICOTeachers, nurses, peace officers, and active-duty military — silent second mortgage forgiven after 10 years.
Eligible occupationsZero-down for rural and small-town properties. We have funded loans in 412 prairie townships this year alone.
USDA-eligible zipsHUD Section 184 loan with 1.25% down for members of federally recognized tribes — no PMI requirement.
Tribal membersPlan on roughly 3% of the purchase price for closing costs, plus your down payment. On a $340k home that's about $10k in closing costs — title insurance, escrow set-up, appraisal, recording, and prepaid taxes/insurance. Several of our DPA programs cover most or all of this for eligible buyers.
Pre-qualifying with us uses a soft inquiry — zero score impact. We only run a hard inquiry once you're under contract on a home and ready for full underwriting. The hard inquiry effect is small (a few points) and rebounds within 60 days.
Banks lend their own money at retail. Brokers tap wholesale rate sheets across many lenders and shop them against each other. Federal law (TRID) caps our compensation, so the savings on rate flow to you, not us. The CFPB's 2023 study found broker-originated loans averaged 0.27% lower than retail.
Yes — we offer 60, 90, and 120-day rate locks. Long locks cost a small upfront fee that's usually credited back at closing if you go through with the loan. Useful when you've found a builder lot and won't close for months.
We have nine non-QM lenders that qualify on bank statements, P&L, or 1099 income alone. Tell us in the application; we'll route your file to the right product. Self-employed loans typically close in the same 24-day window.
Soft credit pull, plain-English answer, real licensed broker reviewing your file. No obligation, ever.
Begin pre-approval →