Home Purchase Program
Primary Purchase
Your Dream Home Starts Here — 0% to 20% Down Options Available
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Primary Home Purchase Programs
Whether you're a first-time homebuyer or upgrading to your forever home, we have the right loan program for you. From government-backed FHA and VA loans to conventional financing, we match you with the best option for your situation.
With access to 70+ lenders, we shop your loan to find unbeatable rates — saving you thousands over the life of your mortgage.
- ✓Down payments as low as 0% (VA) or 3.5% (FHA)
- ✓Credit scores starting at 580
- ✓First-time homebuyer programs available
- ✓FHA, VA, Conventional, and USDA options
- ✓Self-employed & bank statement programs
- ✓Manual underwriting for unique situations
Why Choose Us for Your Home Purchase?
We make buying your home simple, affordable, and stress-free with expert guidance every step of the way.
A Family Team You Can Trust
We're a father and son team with over 25 years of combined experience in the lending industry. We treat every client like family — because that's exactly what we are.
Available Monday through Sunday — we work around your schedule so you never miss an opportunity.
Every Loan Type Under One Roof
FHA loans with as little as 3.5% down. VA loans with 0% down for eligible veterans. Conventional loans with competitive rates. USDA loans for rural properties. Bank statement programs for self-employed borrowers. Manual underwriting for those who don't fit the traditional mold. Whatever your situation, we have a solution — and we'll shop 70+ lenders to get you the best rate.
70+ Lenders Competing
One application, 70+ lenders fighting for your business. We compare rates and terms across our entire network to save you thousands.
First-Time Buyer Friendly
Down payment assistance programs, FHA loans, and hands-on guidance to make your first home purchase smooth and affordable.
Self-Employed Solutions
Bank statement loans, asset-based lending, and manual underwriting options for entrepreneurs and business owners who don't fit the traditional mold.
We Shop, You SAVE!
Access an unmatched network of over 75+ trusted lenders — all with a single application. We compare programs, rates, and terms across our entire network to get you the best deal on your home purchase.
Frequently Asked Questions
Mortgage Payment Calculator
Estimate your monthly mortgage payment. Adjust the values below to see how different scenarios affect your costs.
Estimated Monthly Payment
Loan Amount
$315,000
Total Interest
$401,765
This calculator provides estimates only. Actual rates and payments may vary. Contact us for a precise quote.
Contact Gem or Tanner
Ready to buy your dream home? Reach out for a free consultation & personalized quote.