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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 ourPreApproval 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!

What Our Clients Are Saying

Han Fan
Han Fan

01:46 21 Mar 19

Me and my wife apply for mortgage back in August 2018.. the process is really smooth. very knowledgeable and willing to explain. Fast response time. I would give more than 5 star if I could.

Keith U
Keith U

16:03 14 Mar 19

Hands down the best mortgage broker in Jacksonville. Using Carbon Capital we were able to prequalify and place a bid on our first home in a matter of hours. Andrew went out of his way to explain everything and make sure we understood the mortgage process in simple terms. Casey and Kelly were able to answer all of our questions. They even answered our emails during the weekend and outside office hours. That is great customer service!

Rebecca Richey
Rebecca Richey

15:14 09 Jan 19

We have had an amazing experience working with Andrew, Casey and Kelly with Carbon Capital. They have been on top of everything to ensure we have had a very smooth closing. We are so pleased with their response time and professionalism throughout this entire process. Great job!! Thanks!!

Nicole Coburn
Nicole Coburn

11:07 16 Nov 18

Andrew/Kelly/Ross all gave exceptional performances during our home buying process. I highly recommend Carbon Capital if you are in the market. They made buying our home a breeze. The processes that they have in place are seamless and easy to use and give full details of everything that you may have a question about. Always promptly returned phone calls and took real patience and care which is outstanding with my anxiety through the whole thing. Thanks for everything you do. Client for life.

Susan Brennan
Susan Brennan

07:37 11 Oct 18

If you're in the market to purchase a home, I highly recommend Carbon Capital. We received professional and timely answers to our many questions and scenarios. Kelly is just the epitome of patience and very knowledgeable with regard to all types of mortgages. Being somewhat of a "commitment-phobe," the idea of a 30-year mortgage really drove my anxiety during the home buying process. It was reassuring to know that any questions or concerns would be quickly addressed by Kelly or Andrew with either a phone call, e-mail, or text. The personal service we received was second to none. In the end, I believe we got the best available rate and terms and found the entire process quite seamless thanks to Carbon Capital.

Stephen Sapp
Stephen Sapp

12:36 04 Oct 18

I've bought, sold, and refinanced houses over the years a number of times. I've never had the mortgage process go smoother than it had with Carbon Capital. Andrew and Kelly are fantastic! They explain everything in plain english. They're extremely responsive to questions via email or telephone. When I buy, sell, or refinance in the future, I won't have to do any shopping around; I will just make a call to Carbon Capital. Thanks Andrew and Kelly!!!