Compare conventional, FHA, VA, USDA, jumbo, down payment assistance, first-time buyer, and specialty loan options from more than 100 lenders.
The right mortgage depends on more than the home you want to buy. Your income, credit, available funds, monthly payment goals, property type, occupancy, and future plans can all affect which loan programs make sense.
As a mortgage broker, I can compare options from more than 100 lenders instead of relying on one bank’s guidelines. My goal is to help you understand the available paths and build a financing strategy that fits your situation.
Flexible financing for primary residences, second homes, and investment properties with qualifying credit, income, and assets.
Low down payment options and flexible qualification guidelines for eligible homebuyers.
Eligible veterans, active-duty service members, and surviving spouses may qualify for zero-down financing.
Some programs may help eligible buyers reduce the amount needed for the down payment and closing costs.
Financing for higher-priced homes when the loan amount exceeds the applicable conforming loan limit.
Eligible buyers purchasing in qualifying rural and suburban areas may have access to zero-down financing.
Learn how preapproval, credit, down payments, closing costs, and the purchase process work.
Alternative qualification options for self-employed borrowers, investors, and clients with nontraditional income.
Financing options for warrantable condos, non-warrantable projects, high-rises, and hotel-style condominium properties.
We discuss your estimated budget, monthly payment comfort level, income, credit, debts, available funds, and property goals.
I review the available loan options and explain the potential down payment, qualification, and documentation requirements.
Once the necessary documents are reviewed, you will have a clearer estimated price range and financing plan.
Your real estate agent helps you search for homes and prepare an offer based on your goals and approved financing.
After your offer is accepted, the process may include an appraisal, title work, underwriting, updated documentation, and final closing disclosures.
The exact documentation depends on your income, loan program, and purchase strategy.
No. Several loan programs may allow significantly less than 20% down, depending on eligibility.
No. Credit requirements vary by program, and reviewing your credit early can help identify the most realistic options.
Closing costs are generally paid separately from the down payment. Seller credits, lender credits, assistance programs, and other strategies may help reduce the amount due at closing.
A preapproval before home shopping can help establish a realistic price range and make your offer more competitive.
Yes. Qualification may use tax returns, bank statements, 1099 income, profit-and-loss statements, assets, or other documentation depending on the program.
Review your homebuying goals, budget, available funds, and potential loan options.
Copyright © 2026 Robert St. John. All Rights Reserved.
Robert St. John | NMLS #1578510 | Barrett Financial Group, L.L.C. | NMLS #181106 | 8485 W Sunset Rd, Suite 202, Las Vegas, NV 89113 | AZ 0904774 | CA60DBO-46052 & 41DBO-148702 Licensed by Dept . of Financial Protection & Innovation under the California Residential Mortgage Lending Act. Loans made or arranged pursuant to a California Financing Law License | MI fl0022342 | NV 5091 | TX view complaint policy at barrettfinancial.com/texas-complaint | Equal Housing Opportunity | Equal Housing Lender | This isnot a commitment to lend. All loans are subject to credit approval. | nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/181106