BUY A HOME
Know your numbers before you fall in love with a house.
Whether it’s your first home or your next one, we’ll get you pre-approved, compare your loan options side by side, and keep you and your agent updated all the way to closing.
Questions? Call or text me at (404) 974-6722.
What you get when you work with us
- A fast pre-approval letter you can shop with
- A budget built around a payment you’re comfortable with
- Your loan options compared side by side, total cost included
- Updates for you and your agent at every step
- An introduction to a trusted real estate partner, if you need one
LOAN PROGRAMS
Programs for every kind of buyer.
With access to more than 200 wholesale lenders, we can match you with the program that fits your credit, income and goals. These are the ones buyers ask about most.
Conventional
A great fit for buyers with steady income and solid credit. Plenty of term options, and mortgage insurance can come off as you build equity.
FHA
Flexible credit guidelines and a low down payment. Gift funds and down payment assistance can often go toward your purchase.
VA
For eligible veterans, active-duty service members and some surviving spouses. No down payment required for eligible buyers, and no monthly mortgage insurance.
USDA
For homes in USDA-eligible areas, with household income limits. No down payment required for eligible buyers.
Down payment assistance
State and local programs that can help with your down payment and closing costs, often paired with an FHA or conventional loan.
Jumbo
For loan amounts above the conforming limit, with fixed and adjustable rate options.
Self-employed buyers
Own a business? Bank statement loans let you qualify using your bank deposits instead of your tax returns.
Buy before you sell
Already own a home? Use your equity to buy the next one before your current home sells, so you’re not rushing or moving twice.
Not sure which one fits? That’s what the free call is for. We’ll look at your situation and tell you where you stand.
GETTING READY
What to have ready when you apply.
Having these handy speeds everything up. If something doesn’t apply to you, skip it. After we talk, we’ll send you a checklist built around your situation.
Buying your first home?
Emotions are normal, and you may not get the first house you bid on. Having your pre-approval and paperwork ready puts you in a stronger spot when the right one comes along.
- Driver’s license or other government ID
- Pay stubs from the last 30 days
- W-2s or 1099s from the last two years
- Tax returns for the last two years, if you’re self-employed*
- Bank statements from the last two months
- Retirement or investment account statements, if you have them
- Rent or mortgage payment history
* Unless you’re using alternative documentation options, which are available for self-employed buyers.
SELF-EMPLOYED BUYERS
Self-employed? You have more options than you think.
Most lenders want two years of tax returns, and write-offs can make your income look smaller than it really is. Our non-QM programs let you qualify based on how your business actually performs.
Bank statement loans
Qualify using 12 or 24 months of personal or business bank deposits.
1099 income
Qualify with your 1099s instead of full tax returns.
Profit and loss statement
Use a P&L statement to show what your business actually earns.
Asset-based qualifying
Qualify based on your savings and investments instead of a paycheck.
Recent credit event
Options for buyers with a past bankruptcy, foreclosure or short sale.
And more
Don’t see your situation here? Ask us. There’s a good chance we have a program for it.
THE PROCESS
What to expect, step by step.
No surprises. Here’s exactly how it goes from your application to the closing table.
01
Apply online
Fill out the secure application and upload your documents. We’ll confirm everything and let you know what’s next.
02
Get pre-approved
We review your credit, income and goals, then set a budget you’re comfortable with. You’ll get a pre-approval letter to shop with.
03
Shop with confidence
Your numbers stay up to date while you look at homes. We work with your agent so your offer is strong and your timeline is realistic.
04
Lock your rate
Once you’re under contract, we lock your rate, order the appraisal and move your file into underwriting.
05
Clear to close
We finalize your numbers and confirm your closing date, so there are no surprises at the closing table.
06
Get your keys
Sign, fund and celebrate. Most loans close in under 30 days, and we’re still here after closing for questions and future plans.
Don’t have an agent yet?
We’ll connect you with one of our trusted real estate partners, so you have someone great on your side from the first showing to the closing table.
FAQ
Questions buyers ask us most.
How fast can I get pre-approved?
Fast. Once we have your application and documents, we’ll turn your pre-approval around quickly and let you know right away if anything else is needed.
How much do I need for a down payment?
It depends on the program. There are low and no-down-payment options for eligible buyers, and assistance programs can help too. We’ll show you what fits your budget.
Will applying hurt my credit?
A mortgage credit check is normal and the impact is small. Knowing exactly where you stand is worth it, and we can time it around your plans.
How long does it take to close?
Most loans close in under 30 days, depending on the program, the appraisal and the title work. We’ll keep your timeline realistic and on track.
How much are closing costs?
It depends on the loan, the price and the county. We’ll estimate yours early so nothing catches you off guard, and in some cases the seller can help cover them.
Can I use gift money for my down payment?
Often, yes. We’ll document it the right way with a simple gift letter.
Can I buy with student loans or other debt?
Yes. Plenty of buyers do. We’ll structure your file so the numbers work.
Do I need a real estate agent first?
No. It’s actually smart to get pre-approved before you start shopping. If you need an agent, we’ll connect you with one of our trusted partners.
REVIEWS
From buyers we’ve helped.
100+ five-star reviews
“Patrick made the whole purchasing process very easy for us. As first time home buyers he did a great job explaining different options to us and helping us pick what was best for us.”
Parker D.
“Just closed my first house working with Patrick! Amazing person to work with, he explained everything thoroughly and was able to work with my plans that we came up with.”
Alejandro C.
“He took the time to explain every step of the process, answered all of my questions, and always made me feel like I was his top priority.”
Isaac
Ready to see what you can afford?
Start your application online, or book a free call and we’ll walk through your options together.
Or call or text (404) 974-6722