Buy a home
First home or next home. Understand your budget, compare programs and get a pre-approval you can shop with.
Loan options
Find the loan that fits your situation.
Start with what you want to do, or browse by program. You don’t need to choose before you call; helping you compare is part of our service.
By situation
Buy your first home
New to the process? See each step from pre-approval to closing, and the programs first-time buyers often compare.
Refinance
Lower your payment, shorten your term or use your equity. See the costs alongside the savings before you decide.
Self-employed
Your tax return may not tell the whole story. Some programs can document income with bank statements instead.
Investment property
Buying or refinancing a rental? Some programs look at the property’s rental income relative to its payment.
By program
Programs we can help you compare
Program availability, requirements and pricing depend on your situation, the property and the lender.
Purchase & refinance
Conventional
A familiar choice for buying or refinancing, with fixed- and adjustable-rate options and individual guidance on which fits.
Government-insured
FHA
More flexible credit guidelines and a lower down payment option, with mortgage insurance as the tradeoff. Not just for first-time buyers.
Eligible military borrowers
VA
Home loans for eligible veterans, service members and some surviving spouses. Terms depend on eligibility and lender requirements.
Self-employed borrowers
Alternative documentation
Programs that may verify income with bank statements or other permitted records instead of personal tax returns. Requirements still apply.
Real estate investors
DSCR investment property
Loans that may evaluate a rental property’s qualifying income relative to its debt payment, alongside other requirements.
Not sure where you fit?
Tell Curtis what you’re trying to do. He’ll ask a few questions and explain which options are worth comparing.
Call (602) 800-9916 or email curtis@clarke-cap.com
