Purchase

Purchase Loan Programs

Conventional: Great for buyers with solid credit and stable income, as low as 3% down.
FHA: Ideal for buyers with flexible credit and down payment requirements, as low as 3.5% down.
VA: For eligible veterans, active-duty service members, and surviving spouses. No down payment required, and no mortgage insurance.
USDA: Available in eligible rural and suburban areas. Offers 0% down for qualifying buyers.
DSCR: Designed for investment properties. Approval is based on the propertys rental income, not personal income.
Non-QM: Flexible options for self-employed borrowers, those with alternative income documentation, or unique situations.

+ more!

Loan availability and terms are subject to borrower eligibility and lender guidelines. Not all applicants will qualify.

What Can You Afford? Find Out Now

Getting Pre-Approved

Before you begin shopping for a home, getting pre-approved is a key first step. It gives you a clear budget, strengthens your offers, and shows sellers you’re serious.

Here’s how the process works at The Mortgage Nest:

1. Apply Online 💌

Complete a quick and secure loan application through my online portal.

2. Submit Documents 📃

Upload your income, asset, and employment documents so I can verify your information.

3. Credit Check ✅

I’ll run a soft or hard credit pull to assess your loan eligibility.

4. Get Pre-Approved 🏠

Once reviewed, I’ll issue your pre-approval letter so you can confidently shop for homes.

5. Stay Connected 💬

I’ll guide you every step of the way, from pre-approval to closing.

The Loan Process

1. Application

Complete your loan application through my secure online portal. We’ll discuss your goals and loan options that best fit your needs.

2. Document Collection

You’ll upload your income, asset, and credit documents so I can verify everything needed for approval.

3. Loan Submission

Once everything is reviewed, I’ll submit your loan to the lender for initial underwriting.

4. Processing & Underwriting

The lender reviews your file and may request additional documentation. I’ll keep you updated and help you respond quickly.

5. Conditional Approval

You’ll receive a conditional approval with a short list of final items needed to move forward.

6. Final Approval

Once all conditions are met, your loan is clear to close!

7. Closing

You’ll sign your final documents, and the keys to your new home are officially yours.

First-time Home Buyers

Buying your first home is a big milestone! You don't need to figure it out all alone, I’m here to make sure you feel confident every step of the way.

Whether you’re just starting to explore or ready to make an offer, I’ll guide you through the entire process with clarity, patience, and expert support.

How I Help First-Time Buyers:

• Education & Guidance: I’ll walk you through your loan options, explain key terms, and make sure you understand what to expect from start to finish.

• Customized Loan Solutions: From low down payment programs to first-time buyer incentives, I’ll help you find the best fit.

• Step-by-Step Support: From pre-approval to closing day, I’ll keep you informed and prepared.

• Trusted Connections: Need a great realtor, inspector, or title company? I’ve got you covered.

FREEBIE: First-time Home Buyer Guide

Investors

Looking to grow your real estate portfolio? I work with new and experienced investors to secure financing that aligns with your goals—whether you’re flipping, renting, or expanding.

I offer flexible options designed to make your investments work smarter.

Popular Loan Options:

• DSCR Loans (Debt Service Coverage Ratio): No tax returns or W-2s required. These loans focus on the property’s cash flow, not your personal income—ideal for rental properties.

• Fix & Flip Financing: Short-term loans designed for renovation projects and quick turnarounds.

Why Investors Work With Me:

• Fast approvals and closings

• Access to multiple wholesale lenders

• Creative loan structuring

• Personalized support throughout the deal

Contact me to get started!

Schedule a call or email joana@themortgagenest.co

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