Home Purchase

Buy Your Next Home with Confidence

Conventional, FHA, VA, and jumbo purchase loans. We shop 20+ lenders to get you the best rate — and close fast.

Pre-approval letters issued same business day

Conventional loans from 3% down

FHA loans from 3.5% down

VA loans — $0 down for eligible veterans

Jumbo loans up to $3M+

Get Pre-Approved Today

No obligation · Same-day pre-approval

By submitting, you agree to be contacted by Clavis Capital Group. NMLS# 2343894.

Loan Programs

Purchase Loan Options

Not sure which loan is right for you? We'll walk you through every option and recommend the best fit for your situation.

Conventional

The most flexible loan type for buyers with solid credit and documented income. Ideal for primary homes, second homes, and investment properties.

Min. Down Payment3%

Min. Credit Score620

Loan LimitUp to $806,500 (2025)

PMI RequiredBelow 20% down

FHA Loan

Government-backed loan with flexible qualifying standards. Great for first-time buyers or anyone with less-than-perfect credit or limited savings.

Min. Down Payment3.5%

Min. Credit Score580 (500 w/ 10% down)

Loan LimitUp to $498,257+

MIP RequiredYes — upfront + monthly

VA Loan

Exclusive benefit for eligible veterans, active-duty service members, and surviving spouses. No down payment, no PMI, and competitive rates.

Min. Down Payment$0 — 100% financing

Min. Credit Score580 (lender overlay)

Loan LimitNo limit (full entitlement)

PMI RequiredNone — ever

Jumbo Loan

For loan amounts above the conventional conforming limit. Ideal for high-value properties in markets like Orange County, LA, and South Florida.

Min. Down Payment10–20%

Min. Credit Score700+

Loan Amount$806,500 – $3M+

Property TypesPrimary, 2nd home

First-Time Buyer

Special programs for first-time buyers including CalHFA down payment assistance, reduced PMI, and homebuyer education credits.

Down PaymentAs low as 0–3%

DPA AvailableYes — CA & FL programs

Income LimitsMay apply

Best ForFirst purchase only

Investment Purchase

Conventional or DSCR financing for non-owner-occupied investment properties. Buy with as little as 15–20% down.

Min. Down Payment15–20%

Income VerificationFull doc or DSCR

Property Types1–4 units

Multi-propertyYes — no limit on DSCR

How It Works

From Application to Keys in 5 Steps

Our process is designed to be fast, transparent, and stress-free. Most purchases close in 21–30 days.

Get Pre-Approved

Submit your application. We issue a pre-approval letter — usually same business day.

Shop for Homes

Use your pre-approval to make competitive offers with confidence.

Submit Full Application

Once you're under contract, we collect your full file and submit to underwriting.

Lock Your Rate

We shop your loan across our lender network and lock the best available rate.

Close & Get Keys

We manage the process through to closing. You show up, sign, and get your keys.

Side by Side

Loan Program Comparison

A quick reference to help you understand the key differences between each program.

Feature	Conventional	FHA	VA	Jumbo
Min. Down Payment	3%	3.5%	0%	10–20%
Min. Credit Score	620	580	580	700+
Mortgage Insurance	PMI if <20% down	MIP always required	None	Usually not required
Seller Concessions	Yes — up to 9%	Yes — up to 6%	Yes — up to 4%	Yes — varies
Investment Property	Yes	No	No	Yes
Gift Funds Allowed	Yes	Yes	Yes	Varies
Eligibility	Anyone	Anyone	Veterans / Military	Anyone

Common Questions

Purchase Loan FAQ

Most pre-approvals are issued same business day once we receive your completed application and supporting documents. A pre-approval is based on a full review of your income, assets, and credit — not just a soft pull estimate. This gives sellers and agents confidence that your offer is solid.

For a standard conventional or FHA pre-approval you'll need: last 2 years of tax returns and W2s, last 30 days of pay stubs, last 2 months of bank statements, and a copy of your ID. Self-employed borrowers will also need a P&L statement. VA borrowers will need their Certificate of Eligibility (COE).

A hard credit pull for a mortgage pre-approval typically only reduces your score by 3–5 points temporarily. Additionally, all mortgage inquiries made within a 45-day window are treated as a single inquiry by the credit bureaus — so shopping multiple lenders during that period won't multiply the impact.

Absolutely. Self-employed borrowers can qualify using 2 years of tax returns or our Bank Statement loan program (12–24 months of deposits instead of tax returns). Many self-employed borrowers find bank statement programs more favorable because their tax returns show significant write-offs that reduce qualifying income.

A common guideline is to keep your total monthly housing payment (PITI) below 28–36% of your gross monthly income. However, your actual buying power depends on your credit score, existing debt, down payment, and the specific loan program. The best way to know your exact number is to get pre-approved — it's free and takes 15 minutes.