Mortgage Home Purchase Loans Made Simple
Buying a home should be exciting - not stressful. That's why we specialize in
mortgage home purchase loans at First Capital Mortgage Inc.
Our mission is to make the process smooth, affordable, and clear so you can focus on finding your dream home.
Whether you're a first‑time buyer or an experienced real estate investor,
our team works with you to find the right mortgage home purchase loan program at the most competitive rate.
Why Choose Us?
- Fast, free pre‑approval so you can shop with confidence
- Personalized loan options tailored to your goals
- Clear comparisons of programs, rates, and terms
- Expert guidance from a trusted mortgage team with 30+ years of experience
The Home Purchase Loan Process
Here's how our step‑by‑step mortgage home purchase loan process works:
- Request your FREE pre‑approval letter with our quick online form
- Review loan options based on your unique financial profile
- Compare mortgage interest rates and terms with expert guidance
- Select the best offer and move forward with confidence
Helpful Resources
- The Mortgage Process: Steps to Buying a House
- Self‑Employed Home Loans: Bank Statements, P&L, and DSCR
- Buying a Home After Chapter 13 Bankruptcy: What to Know
External guide: CFPB - Owning a Home: The Mortgage Process
Mortgage Home Purchase Loans - FAQs
What documents do I need for a mortgage home purchase loan?
Typically: government ID, 30 days of pay stubs, W‑2s/1099s, two months of bank statements, and two years of tax returns (self‑employed may use bank statements or P&L). We'll give you a custom checklist.
How much down payment do I need?
Conventional loans can start around 3% down; FHA from 3.5%; VA and USDA may allow 0% down for eligible borrowers and properties.
How long does the process take?
Pre‑approvals are fast. Full approvals and closing often take 21 - 30 days, depending on appraisal and documentation.