Here are some of the most frequently asked questions we receive:
💰 How much money do I need to put down to buy a home?
It depends on the loan program, home price, and your credit profile. Here are some general benchmarks:
FHA loans: as low as 3.5% down
Conventional loans: as low as 3% down
VA loans: 0% down for qualified military buyers
We also offer down payment assistance programs. During your consultation, we’ll help estimate your exact required down payment.
📉 Do I need good credit to buy a home?
Not necessarily. Ideally, a middle FICO score of 620+ will give you access to the most options. That said, we work with buyers below that threshold too. We can also help you build a plan to raise your score if needed.
📂 Can I buy a home after bankruptcy?
Yes — but there are waiting periods depending on your loan type. The countdown starts from your discharge date (not the filing date). If you’re unsure when your bankruptcy was discharged, reach out to the attorney who handled your case. You might be eligible sooner than you think.
🏚️ Can I buy a home after foreclosure or short sale?
Yes. The wait time depends on the loan program and the details of your past credit event. Contact us to discuss your scenario — you may qualify sooner than expected.
Home Loan Solutions — Empowering Smart, Informed Buyers.
