Purchase Programs
Whether it's your first home or your fifth, the down payment doesn't have to be the wall. From 1%-down and 0%-down loans to programs built for veterans and medical professionals, there's likely a path that fits your situation.
Tell me a little about where you stand and I'll match you with the right program — and be there for every question along the way.
This is a starting point, not the full list — guidelines change and new options open up often. If you don't see your situation here, ask me anyway. There's a good chance there's a fit.
You contribute 1% and the lender adds 2% — so you start with 3% equity from day one, with no surprise PMI. Built to take the biggest barrier off the table.
First-time & budget-conscious buyers
Flexible credit guidelines and a low down payment make this one of the most accessible paths to ownership.
Lower-credit or first-time buyers
Competitive rates with PMI that cancels once you reach 20% equity — a strong fit when your credit is in good shape.
Buyers with solid credit
Physician and dentist loans with little to no money down, no PMI, and flexible treatment of student-loan debt — even for residents and new grads.
Doctors, dentists & medical pros
For those who served: no down payment, no PMI, and some of the most competitive rates available.
Veterans, active duty & eligible spouses
100% financing in eligible suburban and rural areas, with reduced mortgage-insurance costs.
Buyers in qualifying areas
State and local programs that help cover your down payment and closing costs — often stackable with the loans above.
Income-qualified buyers
Flexible options for homes above conventional loan limits, including lower-down-payment jumbo programs.
Higher-value purchases
Program availability, rates, and eligibility depend on the lender and your individual qualifications. This is general information, not a commitment to lend or financial advice.
If it's felt like homeownership is for everyone but you, it isn't. Renting a long time doesn't mean you missed your shot. You're right on time — and you don't have to figure this out alone.
From 1%-down and 3.5%-down loans to 0%-down options for veterans and medical professionals, these programs were built to lower the biggest barrier to ownership. We'll find the one that fits — often with little or no PMI.
Escrow, PITI, DTI, points, contingencies — none of it has to feel like a foreign language. With my mortgage background, I'll walk you through every term until it actually makes sense. No question is too small.
No pressure, no rushing. We take the time you need to learn, ask, and feel ready. The right home is worth the patience to get there — and I'll be in your corner the whole way.
5–10 minutes
Take your time — there's no rush.
Private & confidential
Only shared with your consent.
Reviewed by Herlinda
Personally, within one business day.
Your privacy comes first — no credit pull during this step.
Filling out this form does not run your credit. We only request a soft credit check once you've chosen to move forward and we're getting you officially pre-approved — and a hard pull only happens once you're in escrow on a home you love. Your information is shared solely with Herlinda and her trusted lending partner, with your consent.
See if you qualify
So Herlinda and her trusted lending partner can identify the right program for your situation — from the 1% Down Program to FHA, VA, and medical-professional financing. The more complete your answers, the better we can match you.
You can review and approve our privacy practices on the final step before anything is submitted.