🏡 Home Purchase Loans

Find out how much home you can afford.

Know exactly what you can afford before you start searching for a home.

4.9/5 · 240+ reviews Pre-approval in 12 min
Suburban home exterior
Family at home
98%
on-time close rate
Ready to buy your first or next home?

Do I qualify?

To qualify for a mortgage, lenders typically require a debt-to-income ratio of "43/49." This means no more than 43% of your gross monthly income should go toward your new mortgage payment, and no more than 49.99% toward your total monthly debt. VA and FHA loans even allow higher ratios on a case-by-case basis.

43%
Max housing ratio
49%
Max total debt
VA/FHA
Higher allowed
Qualify me now
Why choose us

Home purchase loans without the hassle.

Need financing for a home or other real estate? Choosing a purchase loan that matches your goals — and making sure you get a favorable rate — doesn't have to be stressful.

We're here to make the home loan process easier, with tools and guidance every step of the way, starting with a personalized Pre-Qualification Letter.

We'll help you clearly see the differences between loan programs so you can choose the right one, whether you're a first-time buyer or a repeat buyer.

Contact us
House keys on a counter
Status
🏠 Pre-approved
Rate locked
6.25% APR
The process

Home purchase loan process

Here's how our home purchase loan process works.

Complete our simple Pre-Qualification request
Receive options based on your unique criteria
Compare mortgage interest rates and terms
Choose the offer that best fits your needs
Fixed-Rate Mortgage
Adjustable-Rate Mortgage (ARM)
Conforming Loans
Jumbo & Super Jumbo Loans
FHA, VA & USDA Loans
Flexible Terms Available
Loan programs

Find the right loan for you

Compare our most popular purchase loan programs side by side.

Conventional

Flexible terms for qualified buyers with strong credit.

From 3% down
Learn more

FHA

Lower credit thresholds and a forgiving down payment.

3.5% down
Learn more

VA Loan

Zero-down financing for active duty, veterans & spouses.

0% down
Learn more

USDA

Rural and suburban purchase loans with no down payment.

0% down
Learn more
Ready to start?

Get your purchase analysis now.

Personally reviewed by a Branch Manager. Pre-approval in 12 minutes — no obligation.

Steve Silveira
Steve Silveira
Branch Manager · NMLS #693709
Personally reviews every application.
4.9 · 240+ reviews
Modern Mortgage Solutions

Modern Mortgage Solutions proudly services clients across:

AlabamaArizonaArkansasCaliforniaGeorgiaIdahoNorth CarolinaOhioOregonTennesseeTexasWashington
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4.9 · 240+ reviews

Ready when you are

Schedule a free consultation.

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Equal Housing
Opportunity Lender
Licensed in 12 states

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