BUYING A HOME
Your guide to buying a home, from first questions to closing day.
Based in San Diego, CA, our mortgage team helps first-time buyers, move-up buyers, and relocating households understand purchase financing. Compare the down payment, closing costs, monthly payment, and documentation before choosing your next step. Program availability depends on licensing, property, and borrower eligibility.
Mortgage options for buying a home
Conventional loans
Conventional financing offers a range of terms and down payment options. Eligibility, pricing, and mortgage insurance depend on the program and your financial profile. Compare the full payment and closing costs, and ask about mortgage insurance cancellation requirements.
FHA loans
FHA-insured mortgages may suit eligible buyers seeking a lower down payment. Upfront and annual mortgage insurance affect the cost, and the duration of annual insurance depends on the loan terms. Credit, income, property, and lender requirements apply.
VA loans
Eligible veterans, service members, and surviving spouses may qualify for VA-backed financing. Down payment requirements depend on entitlement and the transaction. VA loans do not require monthly mortgage insurance; a funding fee may apply unless the borrower qualifies for an exemption.
USDA loans
USDA financing may be available for eligible properties and households. Location, household income, occupancy, and underwriting requirements apply. We can help check whether the property and program fit your situation.
From application to closing
Start by reviewing your budget, credit, income documentation, and available funds. A pre-approval is conditional, and final approval depends on underwriting and the property. During the purchase, coordinate inspections, appraisal, insurance, and closing arrangements with your professional team.
Ready to see what you qualify for?
Tell us your goals, book a conversation, or start a mortgage application when you are ready.
Tell us your goals
Share what you are looking to do so we can explain your next steps.
Book a call
Talk through your situation with our mortgage team.
Apply now
Start the application and get your pre-approval moving.
One Mortgage
Company NMLS: xxxxxx
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