Tell us what you're hoping to buy and where you are in the process. A verified mortgage professional will explain your options, what you can afford, and what to line up first.
A verified professional will get in touch.
A loan not backed by the government. Terms and requirements depend on your credit and down payment.
Government-backed, with more flexible credit and down payment requirements, and mortgage insurance premiums.
For eligible service members, veterans and some spouses, often with no down payment required.
For eligible homes in qualifying rural areas, with income limits.
For loan amounts above the limits that apply to standard loans, usually with stricter requirements.
A fixed rate stays the same. An adjustable rate can change after an initial period.
A lender reviews your finances and tells you roughly what you can borrow. It carries more weight than a quick estimate.
Know how much cash you will need on top of the price.
Check your reports for errors early, while there is time to fix them.
Pay stubs, tax returns, bank statements and ID are typically asked for.
Include property taxes, insurance and upkeep, not just the loan payment.
Avoid new debt or big changes before the loan is final.
Payment record, existing accounts and how much credit you use.
Whether you can comfortably make the payments.
Lenders look closely at this ratio.
A larger one can improve the terms.
Reserves after closing can reassure a lender.
An appraisal confirms the home is worth what you are paying.
You want the process explained from the start.
Selling one home and buying another adds moving parts.
New area, new market, possibly a new lender.
Proving your income works a little differently.
You want to understand the benefit and how to use it.
You want to understand the offers side by side.
We'd rather connect you with the right provider once than flood your inbox with a dozen you'll never call back.
What you can comfortably afford, including taxes, insurance and upkeep, before you fall for a house.
Conventional, FHA, VA, USDA and others explained, so you can see which fit your situation.
You get the options explained. Whether to start an application is always your decision.
Prequalification is a quick estimate based on what you tell a lender. Pre-approval involves checking documents and credit, and generally carries more weight with sellers.
It depends on the loan type and lender. Some programs allow a small down payment, and some states and cities offer help to first-time buyers. A professional can explain what may apply to you.
It usually helps. It shows roughly how much you may be able to borrow and lets you act quickly on the right home.
A lender will check your credit, which can cause a small and usually temporary dip. Rate shopping within a short window is generally treated as a single inquiry by scoring models.
Your income and employment details, a sense of your savings and debts, your ZIP code, and the price range you have in mind. If you don't have everything, send the request anyway.
No. Namoye is a free matching service. It is not a lender, broker or financial institution, and it doesn't make credit decisions.
No to both. A verified professional contacts you, and Namoye is free for you.
All US finance · Mortgage Refinance · Credit Repair
Namoye is a free matching service. It is not a lender, broker or financial institution, and it doesn't make credit decisions. Any offer you receive comes from the professional or company that contacts you.
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