You’re likely eligible with steady income, credit ~620+, and funds for a down payment. Program choice — conventional, FHA, VA, USDA, jumbo, or non-QM — widens who can buy.
Matching you to a program
Conventional for strong credit and low down payment; FHA for flexible credit; VA for veterans (0% down); USDA for eligible rural areas (0% down); jumbo for high-value California homes; non-QM for self-employed and unique income.
Getting pre-approved
The first real step is a pre-approval, which confirms your budget and makes your offers competitive. It’s free and takes little time. We’ll issue one you can shop with confidently.
Frequently asked questions
Which loan is best for me?
It depends on credit, down payment, and the home. We compare conventional, FHA, VA, USDA, and jumbo to find your best fit.
Do I need to be a veteran for a good deal?
No — VA is excellent for veterans, but conventional and FHA serve everyone else well.
How competitive is a pre-approval?
Very — sellers take pre-approved buyers seriously. It’s the strongest first move you can make.
Save Financial is a California-licensed mortgage brokerage (NMLS #377740, DRE #01875766). Figures are illustrative for 2026 and not an offer of credit.