New Purchase Loans

Buy your next home with confidence.

From your first home to your forever home, we make getting a purchase loan simple — compare conventional, FHA, and VA options and get pre-qualified in minutes.

Get pre-qualified Estimate payments

Buying at a glance

30-Yr Fixed (sample)6.49% APR*
Down payment from3%
First-time buyersWelcome
Pre-qualify in5 min
Get pre-qualified
5 minGet pre-qualified with no impact to your credit to start
3%Down payment options for qualified buyers
Conv · FHA · VAWe match you to the right loan program
A couple at the front door of their new home
Why Owners First

A smoother path to your new home

From pre-qualification to keys-in-hand, you get a dedicated loan officer and clear answers at every step.

  • A strong pre-approval. A verified letter helps your offer stand out to sellers.
  • The right program. We compare conventional, FHA, and VA to fit your budget.
  • Fast, on-time closings. 96% of our loans close on or before the contract date.
  • One dedicated officer. The same expert from application to closing day.
Loan options

A loan for every kind of buyer

Not sure which fits? We'll match you to the right one in a quick call.

Conventional

As little as 3% down, and no monthly mortgage insurance once you reach 20% equity.

FHA

Just 3.5% down with flexible credit guidelines — popular with first-time buyers.

VA

$0 down and no PMI for eligible veterans, service members, and spouses.
Estimate

Estimate your monthly payment

A quick look at principal & interest. Taxes, insurance, and any mortgage insurance are additional.

$

Excludes MIP, taxes, and homeowners insurance. Not a commitment to lend.

Estimated monthly (P&I)
$1,944
Loan amount$320,000
Total interest$379,930
Total of payments$699,930
Get your real rate
Buyer questions

Good to know

Less than you might think — some programs allow as little as 3% down (conventional) or 3.5% (FHA), and VA loans can be $0 down for eligible buyers. We'll show you the options that fit your situation, including any down-payment assistance you may qualify for.
Pre-qualification is a quick estimate based on what you tell us — a great first step. Pre-approval is a verified review of your credit and documents that makes your offer much stronger. We can take you from one to the other quickly.
Once you're under contract, many purchase loans close in around 2–3 weeks. Getting pre-qualified first makes the whole process faster and your offer more competitive.
Get started

Ready to find your new home?

Get pre-qualified free and talk to a dedicated loan officer who'll help you choose the right loan and make a strong offer.

Call (213) 964-3358Get pre-qualified