As an independent brokerage, we shop multiple lenders across eleven loan paths — then show you the comparison in real numbers. No loyalty to any program, no consultation fees, ever. Buying your first home? Start with our First-Time Homebuyer Guide — it walks the whole path before you pick a program.
Nearly every program decision comes down to three inputs. Your credit score sets the menu: strong scores usually point conventional, flexible scores usually point FHA. Your down payment and savings narrow it: VA and USDA can eliminate the down payment entirely for eligible buyers, and gift funds can cover FHA’s. The property and your paperwork finish it: price determines conforming versus jumbo, location unlocks USDA, and self-employment or rental income may point to Non-QM. We run your answers through every program you qualify for and show the results side by side — the moment you see which one actually costs less is the Eureka moment we’re named for.
Five free calculators, no contact info required: Mortgage Payment · Rent vs Buy · Refi Break-Even · Early Payoff · Impounds & Prepaids. And when a term stumps you, our plain-English glossary explains all 84 of them twice.
One conversation maps every program you qualify for — priced, compared, and explained twice. No consultation fees, ever.
Program guidelines are set by HUD, the VA, USDA, Fannie Mae, Freddie Mac, and individual lenders, and are subject to change; lender overlays apply. This page is educational and is not a commitment to lend; all loans are subject to underwriting and approval. Figures reflect 2026 limits. Last reviewed: August 12, 2026.
