Conventional, FHA, VA, and Jumbo purchase loans — with expert guidance from application to closing. Let's find the right loan for you.
Know your budget before you fall in love with a house. We can often get you pre-approved in just a few minutes.
Try our purchase calculator to compare loan types, down payment options, and monthly payment estimates side by side.
Try the CalculatorOur licensed loan officers answer questions with no pressure and no obligation — ever.
Schedule a CallNot every buyer is the same — and neither is every loan. We offer Conventional, FHA, VA, and Jumbo purchase loans, so you get the program that fits your down payment, credit, and goals.
The most widely used purchase loan — ideal for buyers with solid credit and a down payment of 5% or more. Put 20% down and skip private mortgage insurance entirely. Great rates for qualified buyers.
Backed by the Federal Housing Administration, FHA loans allow down payments as low as 3.5% and are more forgiving of past credit challenges. A popular choice for first-time buyers getting started.
Exclusively for eligible veterans, active-duty service members, and surviving spouses. Zero down payment, no private mortgage insurance, and consistently competitive rates. One of the best loan programs in existence.
Buying a higher-priced home above conventional loan limits ($806,500 in most areas)? Our Jumbo loan options offer flexible terms with typically 10–20% down. We work with you to structure the right program.
Payment estimates are for illustrative purposes only. Assumes 770+ credit score, owner-occupied primary residence. Not a commitment to lend. View full disclosures ↓
This is not a commitment to lend. All loans are subject to credit approval. Not all applicants will qualify. Eligibility is subject to review of your specific loan details and guidelines. Affinity Mortgage, LLC is an Equal Housing Lender. NMLS# 2579. Affinity Mortgage, LLC is not a government agency and is not affiliated with or acting on behalf of the Department of Veterans Affairs, FHA, HUD, or any other government entity.
Interest rates and monthly payment estimates are for educational purposes only and do not constitute an official Loan Estimate or a commitment to lend. Rates assume a borrower with a credit score of 770 or higher, an owner-occupied primary residence, and a Loan-to-Value (LTV) ratio appropriate for the selected product (80% LTV for conventional; VA and FHA assume program-specific requirements). APR may differ from the interest rate. Contact Affinity Mortgage for your actual personalized rate quote.
Discount points are prepaid interest paid at closing to reduce your interest rate. One point equals one percent (1%) of the loan amount. The break-even period shown is an estimate of the number of months required to recover the upfront cost of discount points through reduced monthly principal & interest payments, compared to the zero-point option. This calculation is based solely on the additional upfront cost of discount points and does not account for all loan closing costs.
Monthly payment shown reflects estimated principal and interest (P&I) only, unless you have entered property taxes, homeowner's insurance, and/or HOA fees in the optional fields above. For FHA loans, the monthly MIP is always included. For conventional loans, PMI is not included and will apply if your down payment is less than 20%. VA loans do not require PMI.
FHA loans require an Upfront Mortgage Insurance Premium (UFMIP) of 1.75% of the base loan amount, which may be financed into the loan or paid at closing, and an annual MIP of 0.55%, paid monthly. For most FHA loans with less than 10% down, MIP continues for the life of the loan. FHA loans are subject to loan limits that vary by county.
VA loans are available to eligible veterans, active-duty service members, and surviving spouses. The VA Funding Fee varies based on first-time vs. subsequent use and down payment amount. Borrowers with a qualifying service-connected disability rating are typically exempt. The funding fee may be financed into the loan or paid at closing. Affinity Mortgage, LLC is a VA-approved lender but is not acting on behalf of or at the direction of the Department of Veterans Affairs.
The APR shown reflects the annual cost of borrowing and includes the stated interest rate plus upfront finance charges (discount points and an assumed lender fee of $495) spread over the full 30-year loan term. APR does not include title, escrow, or other third-party closing costs. Your official APR will be disclosed on your Loan Estimate following application.
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Buying a home involves more steps than most people expect — but with the right lender in your corner, each one is manageable. Here is what the journey looks like from start to finish.
Before you start touring homes, get pre-approved so you know exactly how much you can borrow. Affinity's pre-approval process is fast, often completed in a few minutes, and gives you a letter you can show sellers to strengthen your offer.
A good real estate agent is your advocate in the buying process. They help you find properties, negotiate terms, and navigate contracts. If you need a referral to a trusted local agent, just ask — we work with great ones throughout the country.
Once you find the right home, your agent will help you make a competitive offer. Your pre-approval letter goes with that offer, showing sellers you're a serious, qualified buyer — which can make all the difference in a competitive market.
When the seller accepts your offer, both parties sign a purchase agreement that outlines the price, timeline, contingencies, and closing terms. This is the official start of your loan process. You'll typically have 30–45 days to closing from this point.
Your loan file goes to underwriting, where everything is reviewed and verified. The home is appraised to confirm its value supports the loan amount. This is also when you may receive requests for additional documents — respond quickly to keep things moving. Our team guides you through all of it.
At closing, you'll sign final loan documents, pay your down payment and closing costs, and receive the keys to your new home. The entire process typically takes 30–45 days from accepted offer to closing. Congratulations — you're a homeowner.
Homebuying comes with its own vocabulary. Here are four concepts that come up in nearly every purchase loan conversation — explained in plain English.
Pre-qualification is a quick, informal estimate. Pre-approval is verified — your credit is pulled, income confirmed, and a real number is determined. Sellers take pre-approval letters seriously. We only issue pre-approvals, so you start strong.
It depends on the loan type. VA loans allow 0% down, FHA starts at 3.5%, and conventional loans can start as low as 3%. Putting 20% or more down on a conventional loan eliminates Private Mortgage Insurance (PMI). The right amount depends on your goals and cash reserves.
Most lenders require an escrow account, which collects a portion of your property taxes and homeowner's insurance with each monthly payment. The lender then pays those bills on your behalf when due. It keeps your payments predictable and ensures those expenses are never missed.
Your credit score is one of the most important factors in determining your interest rate. Higher scores typically unlock the best rates. If your score needs work, we can point you in the right direction — sometimes a few small changes can make a meaningful difference.
We know you have choices. Here is why thousands of homebuyers choose Affinity Mortgage — and why so many come back.
We move quickly because you need to. Our pre-approval process is efficient and straightforward — most buyers get their letter the same day they apply. In competitive markets, speed matters, and we are ready to help you move fast.
Conventional, FHA, VA, Jumbo — we offer them all. That means we can find the loan program that actually fits your situation rather than fitting you into whatever we happen to sell. You get options and an honest recommendation.
You'll work with a licensed loan officer — a real person — who takes the time to explain your options clearly. There are no confusing scripts or hard sells here. We know this is a big decision, and we treat it that way.
First-time buyer? Repeat buyer? We hear these questions every day. Here are the honest answers. Still not sure? Call us.