Start with pre-approval
A pre-approval helps you understand your buying power before you fall in love with a home. Travis reviews your income, debts, credit, assets and goals so you know your estimated payment range and cash needed to close.
Credit scores
Your credit score can affect loan options, mortgage insurance and pricing. You do not need perfect credit to start a conversation. The important step is reviewing your full profile and building a plan.
Down payments
Many buyers do not need 20% down. FHA, VA, USDA and conventional programs may offer lower down payment paths for eligible borrowers.
Closing costs
Closing costs may include lender fees, title fees, prepaid taxes, insurance, escrow setup and other third-party costs. Seller credits or gift funds may help depending on the program.
Mortgage insurance
Mortgage insurance may apply when you put less than 20% down. Travis helps compare FHA mortgage insurance and conventional PMI so you understand the difference.
Your next step
Use the buyer quiz or schedule a 15-minute consultation to map out your plan.