Find Out How Much Home You Can Afford
Know exactly what you can afford before you start searching. Get your free pre-approval letter today — no obligation, no hassle.
Mortgage Home Purchase Loans Without the Hassle
Whether you're a first-time buyer or a seasoned investor, navigating mortgage options can feel overwhelming. At Premier Wholesale Mortgage, we simplify the process — giving you access to wholesale rates and walking you through every step.
We'll help you clearly see the differences between loan programs, allowing you to choose the right one for your goals. From a pre-approval letter to the closing table, we've got you covered.
Get My Pre-Approval LetterQualifying for a Purchase Mortgage
To qualify for a mortgage, lenders typically evaluate:
- Debt-to-income (DTI) ratio — typically 43/49 or below
- Credit score — as low as 580 for FHA loans
- Down payment — as little as 3.5% on FHA, 0% on VA/USDA
- Employment history — 2 years preferred
- Asset reserves and bank statements
Every Loan Type. One Broker.
We offer all major loan programs with terms from 5 to 30 years. We'll match you to the program that saves you the most.
Standard purchase loans for primary residences, second homes, and investment properties. Down payment as low as 3%.
Government-backed loans with flexible credit requirements. Down payment as low as 3.5% with a 580+ credit score.
Exclusive benefit for veterans and active-duty military. No down payment required and no private mortgage insurance.
Zero down payment loans for eligible rural and suburban properties. 100% financing available.
Financing for properties above conforming loan limits. Competitive rates on loan amounts up to $5M and beyond.
Lower initial rates that adjust over time. Great if you plan to sell or refinance before the adjustment period.
The Home Purchase Loan Process
Four simple steps from inquiry to keys in hand.
Fill out our simple mortgage pre-approval request online — takes about 5 minutes.
We'll present options based on your unique criteria, shopping our wholesale lender network.
Review and compare mortgage interest rates and terms with our clear, side-by-side breakdowns.
Choose the offer that best fits your needs and we'll guide you to a smooth, on-time closing.
Ready to Find Out What You Can Afford?
Use our free Home Purchase Qualifier to get personalized options. No obligation. No credit pull to start.