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Purchase a Home

Your Path to Homeownership Starts Here

Buying a home is one of life’s biggest milestones and I’m here to make it seamless. From pre-approval to closing, I’ll guide you every step of the way with personalized mortgage solutions designed to fit your goals and budget.

Explore Your Home Loan Options

Every homebuyer’s journey is unique that’s why, through Banc One Mortgage, I offer a range of loan programs tailored to fit your needs. Whether you’re a first-time buyer, a veteran, or upgrading to your dream home, I’ll help you explore the right options and guide you through every step of the process with clarity and care.

Conventional loans

  • Not government-backed, meets Fannie Mae standards.
  • Minimum credit score 620 and DTI below 50%.
  • Down payment starts at only three percent.
  • Fixed or adjustable rates for any property type.
  • Ideal for stable income and strong credit buyers.
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Adjustable-Rate Mortgage (ARM)

  • Starts fixed, then adjusts with market index rates.
  • Lower initial rates than most fixed-rate loans.
  • Best for buyers planning to sell within years.
  • Monthly payments can increase after adjustment period.
  • May offer savings when interest rates decrease.
  • Good for flexible, short-term homeownership goals.
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FHA Loan

  • Backed by the Federal Housing Administration (FHA).
  • Low down payment options starting at 3.5 percent.
  • Allows credit scores as low as five hundred.
  • Requires mortgage insurance for added protection.
  • Only available for a primary home purchase.
  • Best for first-time or lower-credit homebuyers.
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VA Loan

  • Guaranteed by the U.S. Department of Veterans Affairs.
  • Zero down payment and no private mortgage insurance.
  • Competitive interest rates with flexible approval rules.
  • Includes a small one-time funding fee if applicable.
  • Available only for eligible veterans and service members.
  • Perfect for long-term homeownership and stability.
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Jumbo Loan

  • Used for high-value homes above standard loan limits.
  • Requires higher down payment, usually twenty percent.
  • Needs excellent credit scores above seven hundred.
  • Offers both fixed and adjustable rate options available.
  • No private mortgage insurance with sufficient equity.
  • Designed for luxury homes in premium locations.
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Non‑qualified mortgage (Non‑QM) loans

  • Flexible mortgage for nontraditional income borrowers.
  • Accepts bank statements or assets instead of W-2s.
  • Credit scores starting from 620 accepted.
  • Down payment typically between ten and twenty-five percent.
  • Interest rates slightly higher than conventional loans.
  • Ideal for investors, freelancers, and self-employed buyers.
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Why Homebuyers
Choose to Work With Me

Buying a home is more than just a transaction it’s a major life milestone, and you deserve a lender who treats it that way. I take the time to understand your goals, your story, and your comfort level so that every step of the mortgage process feels clear and manageable.

From explaining loan options in plain language to ensuring you’re always informed and confident, I’m here to make financing your dream home a smooth and empowering experience. With honesty, dedication, and personalized attention, I’ll help you turn your homeownership dreams into reality.

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Personalized Guidance

Your goals come first. I’ll help you choose the right loan and walk you through every detail.

Reliability

With efficient pre-approvals and streamlined communication, you’ll stay informed and on track from day one.

Trusted Expertise

Backed by years of mortgage experience and a passion for helping clients succeed in homeownership.

Frequently Asked Questions

What’s the first step to buying a home?

The first step is getting pre-approved for a mortgage. This helps you understand your budget, estimate monthly payments, and show sellers you’re a serious buyer.

How much can I afford to spend on a home?

Your loan amount depends on your income, credit score, debt-to-income ratio, and down payment. I’ll help you calculate a comfortable range that fits your goals.

Do I need perfect credit to buy a home?

Not at all! Many programs allow credit scores as low as 580–620. I’ll help you explore the best options for your credit profile.

How much do I need for a down payment?

It depends on the loan type, Conventional loans start at 3% down, FHA loans at 3.5%, and VA loans offer 0% down for qualified buyers.

Can I use gift funds for my down payment?

Yes! Many programs allow gift funds from family or friends, especially for first-time buyers. I’ll guide you through the proper documentation.

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