Purchase a Home
Buy your home with a broker in your corner
First-time buyer or seasoned homeowner — I'll match you with the right loan program and a competitive rate, and guide you from pre-approval to keys in hand.
What you get
- First-time buyer programs with low down payments & grants
- Conventional, FHA, VA, USDA & jumbo loans
- Down payment as low as 0–3.5% on eligible programs
- 150+ lenders shopped to find your best rate
- Hands-on guidance from pre-approval through closing
From pre-approval to keys
Get pre-approved
A quick application and soft credit check tells us your budget and strengthens your offer — no impact to your score.
Shop with confidence
You make offers backed by a real pre-approval. I match you to the right program while you find the home.
Close & get keys
I coordinate the financing details, stay ahead of conditions, and manage the file through closing.
Considering seller- or builder-paid payment help? Compare a 3-2-1, 2-1, or 1-0 temporary buydown.
Buyer questions
How much does it cost to work with a mortgage broker?
As a broker I'm paid through the loan, not out of your pocket for my time — and because I shop 150+ lenders, the goal is to land you better terms than going to a single bank. I'll always walk you through the full cost breakdown up front.
How much do I need for a down payment?
Less than most people think. VA and USDA can be $0 down, FHA as low as 3.5%, and conventional as low as 3%. Down payment assistance is also available for many buyers — we'll find the right fit.
Will checking my options hurt my credit?
No. The initial review uses a soft credit pull that doesn't affect your score. A hard pull only happens later if you choose to move forward with a full application.
How fast can I close?
Most purchase clients close in about 21–30 days. The digital HELOC can fund in as few as 5 days. The biggest variable is how quickly we get your documents in.
Bring me the decision. I’ll bring the options.
Start with a private mortgage snapshot or call Fred directly. No call-center handoff, no obligation, and no credit pull just to understand the path.