Home Purchase Loans
Buying a home in Oceanside, North County San Diego, Riverside County, San Bernardino County, or Metro Atlanta starts with the right mortgage strategy. This page is your hub for the main types of home purchase loans and the subpages that break each one down in detail.
If you already own a home, you may also want to review Refinance Your Mortgage or, if you’re a senior homeowner, Reverse Mortgages (55+).
Home Purchase Loan Options
Select a loan type to learn more and see if it matches your situation:
- FHA Loans – Flexible credit and low down payment.
- VA Home Loans – 0% down for eligible military and veterans.
- Conventional Loans – Strong long-term option for many buyers.
- Jumbo Loans – For higher-priced homes above conforming limits.
- First-Time Homebuyer Programs – Tailored support for your first purchase.
- Self-Employed & Bank Statement Loans – For entrepreneurs and 1099 earners.
- New Construction Loans – Building or buying a brand-new home.
- Loan Comparison Guide – Side-by-side breakdown of the options above.
How Much Home Can You Afford?
Your buying power is based on more than just price. We’ll look at:
- Credit score and history
- Monthly debts and obligations
- Down payment source (savings, gifts, or Down Payment Assistance)
- Local property taxes and insurance in your target area
For city-specific info, visit Local Mortgage Programs for California and Georgia.
Where We Help Buyers
As a mortgage broker licensed in California and Georgia, I focus on:
- California: Oceanside, North County San Diego, Riverside County, San Bernardino County
- Georgia: Metro Atlanta and surrounding suburbs
Next Steps: Choose Your Loan Type & Get Pre-Approved
You can start by reading the loan type that matches your situation, or jump straight into a personalized pre-approval.