Decision Guide
Is a larger down payment the right move for you?
More down isn't always better. This guide helps you weigh payment, reserves, and flexibility.
After buying, how strong would your savings be?
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Continue your strategy — every step here leads somewhere useful.
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Understanding Down Payments
You rarely need 20% down. Options range from 0% (VA/USDA) to 3–5% (conventional and FHA). The right down payment balances your monthly payment, cash to close, mortgage insurance, and reserves.
Mortgage Insurance, Explained
Mortgage insurance lets you buy with less than 20% down by protecting the lender. On conventional loans it can be removed around 20% equity; on FHA loans it usually requires a refinance to remove.
Compare your options
What Happens Next
A real advisor reviews your information — then guides you from here.
Technology prepares the conversation. People make the difference. Here is exactly what to expect after you share your goals.
- 01
Complete your personalized assessment.
Tell us about your goals, timeline, and the details that help us understand the decision in front of you.
- 02
A mortgage advisor personally reviews your information.
Our technology prepares the conversation. It never replaces it.
- 03
We reach out to answer questions and discuss your options.
You will not be handed off to a call center or left alone to interpret generic results.
- 04
Together we shape the strategy that fits your goals.
We will explain the trade-offs before recommending a loan path.
- 05
If you're ready, we guide you through to closing.
Move forward with clarity, confidence, and a real person beside you.