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Home Purchase Qualifier

Congratulations! You’re ready to make a Home Purchase…

Home Purchase

Home Purchase Loans without the Headaches!

Do you need Home Purchase financing options for a home or other real estate needs?  A Carbon Capital a mortgage specialist will help guide you into a loan product that matches your goals.  We will make sure you get the best interest rate for your home loan situation.

We will help make the process MUCH easier, with our tools, communication, and skills we will help SET YOU UP FOR SUCCESS, starting with a FREE PreApproval Letter Request.

We’ll help you with estimates for all home loan programs, letting you choose the right options.  Whether you are a first-time home buyer, upsize home buyer, seasoned investor, we can handle all of your needs for your home loan.

The Home Purchase Loan Process

Here’s how our home purchase loan process works:

  • Complete our PreApproval Letter Request
  • Receive at least two options based on your situation
  • Compare mortgage rates and terms offered
  • Choose the estimate that best fits your financial goals

Do I Qualify?

To qualify for a Home Loan Purchase mortgage, we require that you have a debt-to-income ratio under 45% to 50% for a Conventional Loan. This means that no more than 45% – 50% of your monthly income can go toward your total monthly debt (including your mortgage payment) — This only accounts for the items on your credit report such as credit cards, car loans, personal loans etc (not household item costs or cell phone etc).  Our FHA and VA ratios can go up from 56% to 60% which is a bit higher than Conventional along with lower down payments.

  • Fixed Rates
  • Home Loan Lender
  • Adjustable Rates (ARM)
  • Conforming Loans
  • Jumbo Loans
  • FHA, VA, & USDA Loans
  • Terms from 10 to 30 Years

Get Your FREE Pre-Approval Letter Now!