Your First Home Starts Here
Low down payments. Flexible credit. Real help from real people.
Choose Your Path
Each program has different requirements. Find the right fit.
FHA, VA, USDA or Conventional
Down payments from 0% to 3.5%
- FHA: 3.5% down, credit 580+
- VA: 0% down for veterans
- USDA: 0% down, rural areas
- Conventional: 3% down, strong credit
Down Payment Assistance
Help covering your upfront costs
- Maryland state programs
- County and local grants
- Forgivable second mortgages
- Income limits may apply
Self-Employed Programs
Alternative income documentation
- Bank statement loans (12-24 mo)
- 1099 income only
- Asset-based qualification
- No tax returns required
Frequently Asked Questions
It depends on the loan type. FHA requires 3.5% down, Conventional starts at 3%, and VA/USDA offer 0% down for eligible buyers. We also have down payment assistance programs.
FHA loans typically require 580+ for the 3.5% down option. Conventional loans need 620+. We have programs for lower scores too.
Most purchases close in 30-45 days. Getting pre-approved takes just a few days and puts you in a stronger position when making offers.
Yes. We offer bank statement loans that use your deposits instead of tax returns. Great for entrepreneurs with write-offs.
Closing costs run 2-5% of the loan amount for appraisal, title, and lender fees. Some programs allow seller credits to help cover these.
Ready to Get Started?
Get pre-approved in minutes. No commitment required.