Your Path to Homeownership
Getting started is simple. You can check your loan options in minutes with no impact on your credit score, no hidden costs, and no documents required. If you’re curious about what’s possible, this is an easy first step.
Peace of mind on your path to home ownership.
$ 3.210 / mo
4 bd | 3ba | 2,210 sqft
$ 2.080 / mo
4 bd | 3ba | 2,210 sqft
$ 5.210 / mo
5 bd | 4ba | 4,210 sqft
The Right Knowledge Can Save You Thousands
A well-informed decision can reshape your entire homeownership journey. The difference between two loan offers may look small on paper, but over 30 years it can add up to $20,000, $40,000, or even $60,000 in savings. Many first-time buyers don’t realize that lenders can offer drastically different terms based on timing, preparation, and credit-safe pre-qualification. Learning what affects your rate puts you in the strongest position from day one.
Two Paths, One Goal: Better Choices
- Understand the process Buying your first home comes with a learning curve, but knowing the basics makes it far more manageable.
- Know what affects your rate Credit, income, and loan type directly influence approval, pricing, and monthly payments.
- Prepare strategically Small steps taken early can improve loan terms and increase your buying power.
- Gain confidence early Clarity upfront leads to a smoother, more confident first home purchase.
- Markets change over time The lending landscape today differs from what you experienced before, with new rates, programs, and guidelines.
- Compare today’s options Reviewing current loan choices can uncover opportunities that were not available during your first purchase.
- Reassess your financial profile Changes in income, assets, and credit can open the door to better pricing and terms.
- Plan for long-term value Whether upsizing, downsizing, or refinancing, the right structure can create meaningful savings over time.
Pick the Loan That Works for You
Every buyer’s situation is different, which is why the right loan is the one that fits your goals, income, and plans for the future.
We walk you through each option and help you choose a structure that supports you now and over time.
Conventional loans are the most common choice for buyers with strong credit and steady income. They offer flexible terms, competitive rates, and down payments starting around 5%. This category includes both standard and jumbo loans, giving buyers access to a wide range of home prices without government program fees.
FHA loans help buyers with limited savings or lighter credit histories qualify more easily. With low down payment options and flexible credit requirements, they make homeownership more accessible. Because they’re backed by the Federal Housing Administration, lenders can approve buyers who may not meet conventional guidelines.
Investor loans are designed for buying rental properties, fix-and-flips, or second homes. Approval focuses heavily on financial stability, property value, and potential rental income. These loans give investors flexibility to expand portfolios without the restrictions of owner-occupied programs.
Bank statement loans use 12–24 months of business or personal bank deposits to qualify instead of W-2s. This is a strong option for buyers whose tax write-offs reduce their reported income. It offers flexibility and simplifies income verification for entrepreneurs and independent workers.
Lasting Benefits, Real Value
Lendevity combines trusted mortgage expertise with borrower-first programs designed to reduce costs,
increase flexibility, and create a smoother path to homeownership.
Refinance with us anytime in the future with no lender fees, ever. (Terms and conditions apply.)
Receive your appraisal cost back by sharing a short video review of your experience with Lendevity.
Our streamlined process and wholesale lender network allow most loans to close in 21 days or less.
If rates drop 0.25% after lock while your loan is in process, we float your rate down or switch lenders for better pricing.
Select from rates that include enough lender credits to cover all third-party fees, helping you keep cash on hand at closing.
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