A purchase mortgage finances your home with as little as 0–5% down depending on the program, credit around 620+, and verifiable income. Start with a free pre-approval.
The essentials
Below are the most common questions. For a free pre-approval and a personalized budget, a quick call is all it takes.
Frequently asked questions
How much do I need to buy a home?
As little as 0% down (VA/USDA) or 3–5% (conventional/FHA), plus closing costs. We’ll map your lowest-cost path.
How long does it take to buy?
From accepted offer to keys is commonly 30–45 days.
Do I need perfect credit?
No — around 620+ opens most programs, and FHA can go lower.
Why use a broker to buy?
We shop multiple lenders at once, often beating a single bank’s rate, and guide you through every step.
Save Financial is a California-licensed mortgage brokerage (NMLS #377740, DRE #01875766). Figures are illustrative for 2026 and not an offer of credit.