Purchase
The right loan is out there. We search 200+ programs to find it.
Every buyer is different. That is why we do not offer a single loan product -- we match you with the best option from over 200 lending programs. First-time buyer, self-employed, or buying your fifth investment property, we have a program built for your situation.
Get pre-approved3 min | No credit impact$100M+
Funded
200+
Lending programs
50
States licensed
5 min
To apply online
Compare loan types at a glance
Not sure which loan is right for you? Here is how the most common purchase programs stack up. Your loan consultant will help you narrow it down.
| Loan Type | Min Down Payment | Min Credit Score | Best For | PMI / Mortgage Insurance |
|---|---|---|---|---|
| Conventional | As low as 3% | 620+ | Buyers with good credit and some savings | Required below 20% down; removable |
| FHA | 3.5% | 580+ | First-time buyers or lower credit scores | MIP required for life of loan (most cases) |
| VA | 0% | No VA minimum (lenders vary) | Veterans, active military, and surviving spouses | No PMI ever; VA funding fee applies |
| Jumbo | 10-20% | 700+ | High-value properties above conforming limits | Varies by lender and down payment |
| USDA | 0% | 640+ | Buyers in eligible rural and suburban areas | Guarantee fee (lower than PMI) |
How buying with Best Finance works
1
Tell us about your goals
Complete our online application in about 3 minutes. We ask about the property you want, your financial picture, and your timeline. A soft credit pull gives us your profile without impacting your score. You will receive a pre-approval letter you can use when making offers.
2
We match you with the right loan
Your dedicated loan consultant reviews 200+ lending programs to find the best fit for your credit profile, income structure, and down payment. Self-employed, first-time buyer, non-traditional income -- we have specialized programs for every situation. You will receive a side-by-side comparison of your top options.
3
Close with confidence
Once you have an accepted offer, your loan officer coordinates appraisal, title, and underwriting. Upload documents from your phone, e-sign from anywhere, and track every milestone in real time. Most purchases close in 21-30 days.
What makes Best Finance different
200+ lending programs
More programs than any single bank. We search across 200+ options to match your exact financial situation, not force you into a one-size-fits-all product.
Self-employed friendly
Bank statement loans, asset-based qualifying, 1099 programs, and more. We specialize in helping business owners and freelancers get approved.
First-time buyer expertise
Down payment assistance programs, FHA options, and step-by-step guidance designed for buyers navigating the process for the first time.
Rate lock protection
Lock your rate as soon as you are approved. If rates drop before closing, ask about our float-down option to capture the lower rate.
No hidden fees
Transparent pricing from day one. We show you lender fees, third-party costs, and your total cash to close upfront -- no surprises at the closing table.
Buy now, refinance later
Do not wait for the "perfect" rate. Buy the home you want today and refinance when rates improve. We will reach out when it makes sense.
Find out what you qualify for
See your personalized loan options in minutes with no impact to your credit score.
Get pre-approvedFrequently asked questions
How much do I need for a down payment?+
How long does it take to close on a home purchase?+
Will getting pre-approved affect my credit score?+
Can I get a mortgage if I am self-employed?+
What is the difference between pre-qualification and pre-approval?+
What fees should I expect when buying a home?+
Ready to buy your home?
Get pre-approved in minutes. No credit impact, no commitment, no surprises.
Get pre-approved