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There is no blanket answer to this question, since mortgage rates change over time. Not only that, but your qualifications will affect the rates you receive.

If you contact us for a consultation, we will have a chance to provide you with some estimates based on your information.

Certain types of mortgages have a universal cap, while others depend on the qualifications of individual borrowers. In either case, what type of loan you apply for and your borrower profile will determine the maximum amount.

That depends on the type of mortgage you are applying for. We will assess the other details of your file, like your debt-to-income ratio and down payment, which will help determine your minimum down payment requirements.

Many borrowers are surprised to learn that there are mortgage products aimed specifically at customers without perfect credit.

Some examples include FHA and VA loans, where we can go down to 500 credit scores. During your consultation, we can discuss these and other options with you.

Something else to consider is your down payment. By making a larger down payment, you can compensate for some issues in your credit score.

Plus, we can help you boost your credit score with our Credit Rescore in-house process, once we receive your loan application. We will advise you as to how you can go about that process during your consultation.

Yes, it is possible to move into a home without making a 20% down payment. Low down payments are available for conventional loans, FHA loans, VA loans, and USDA loans. Actually, with a FHA, VA or USDA mortgage, you can buy a house with zero down.

You do not need a perfect credit score to qualify for a low down payment or no down payment.

Factors that impact the maximum amount of money you can borrow when purchasing a home include the type of mortgage, your borrower qualifications, and the loan limits when you apply.

We can give you an idea of the maximum loan amount for different mortgage products during your consultation.

We are an Equal Housing Lender, based in Kansas City, with employees coast-to-coast and licensed in 40 states. We can help you nearly anywhere you're looking to purchase your new home.

Switching is simpler than you might think. We often have clients transition to us for our lower rates, even when under contract. Contact us directly, and we'll guide you through the seamless process.