How much do I need to put down?

At 620+ credit, at least 3% on a home you'll live in and 20% on a rental. Below 620, 20% on a home you'll live in and 50% on a rental, plus closing costs. Veterans can buy with 0% down at 620+ on a VA loan (10% below 620), and FHA needs 3.5% at 620+.

How do I know how much home I can afford?

The best first step is a pre-approval, which gives you a precise purchase price based on your income, debts, credit, and down payment. A general rule of thumb: your monthly housing costs should be no more than 28–36% of your gross monthly income.

What's the difference between pre-qualification and pre-approval?

A pre-qualification is an estimate based on self-reported information. A pre-approval involves verifying income, credit, and assets, and it carries much more weight with sellers. We recommend getting a full pre-approval before making offers.

How long does the purchase loan process take?

A standard purchase loan typically closes in 21–30 days with a complete application and responsive documentation. Complex transactions or appraisal delays may take longer. We'll keep you informed every step of the way.

What costs should I expect at closing?

Closing costs typically range from 2–5% of the purchase price and include lender fees, title insurance, escrow, prepaid taxes and insurance, and other third-party costs. We'll provide a Loan Estimate within 3 business days of your application showing all expected costs.

Does checking my options affect my credit?

No. The quiz asks you to pick a credit range; nobody pulls your credit. A credit check comes later, and only with your permission, if you choose to apply.

How long until I have the money?

It varies. The HELOC is the fastest, funding in as little as 5 business days, and hard money closes in days rather than months. Whatever the program, you get a real timeline for your file before you commit to anything.

Does it cost anything to check?

No, and checking doesn't commit you to anything. If you decide to go ahead, you get the costs in writing before you sign: a Loan Estimate within 3 business days of applying on most mortgages, and the program's own written disclosures on a HELOC, a reverse mortgage or a Home Equity Investment.

Who sees the information I enter?

It goes to Arran Amorozo and the West Capital Lending, Inc. team through Follow Up Boss, our CRM, so we can work on your scenario and reach you by phone, text or email the way the consent on the form describes. The site also uses service providers for hosting, analytics and ad measurement (Vercel, Google Analytics and Meta), as our Privacy Policy explains. We never sell your information, and a lender only sees your file once you decide to apply.

I'm self-employed and my bank said no. What are my options?

More than a bank usually offers. A P&L loan qualifies on a profit and loss statement instead of tax returns, from 640 credit. A bank statement loan uses your deposits in place of tax returns. A DSCR or rental property loan qualifies on the property's rent, not your income. And in AZ, CA, CO, FL, OH, OR, PA, TN, UT & WA, a Home Equity Investment accepts credit from 500, with no monthly payment.

Purchase · Pre-approval

Buying a home? Get pre-approved the right way.

First home or fifth, the quiz checks your numbers against the general rule, and the full application gets you the most accurate pre-approval and the highest qualification. Veteran? Pick VA Loan in the quiz for VA's own terms.

Start My Pre-Approval

About 60 seconds leftNo hard credit pull

What's your primary goal?

Pick the one that sounds most like you.

Reviewed personally by Arran Amorozo · NMLS #1491497 · West Capital Lending

No credit check to complete this quiz · your info is never sold

60 seconds · no hard credit pull · never sold

3% down minimum at 620+ credit on a home you'll live in (0% on VA), 20% on a rental.
Credit below 620? A larger down payment keeps it moving: 20% down on a home you'll live in (10% on VA), 50% on a rental.
Conventional with 3% down, FHA with 3.5% and VA with 0%, at 620+ credit.
Investment purchases: 20% down on DSCR and conventional.
P&L and bank statement purchases for self-employed buyers.
Hard money for time-critical purchases: 10% down at 700+ credit, 15% from 620 to 699.
Same-day pre-approval letter available.
Loans from $75,000 to $5,000,000.
Available in all 35 states + D.C. where Arran is licensed.

Rather just talk? Call or text us at (949) 401-7593

Run the numbers ↓

3%
Minimum down at 620+, home you'll live in
20%
Minimum down at 620+, rental
0%
Down, VA at 620+
Same day
Pre-approval letter
$75K–$5M
Loan amounts

Below 620 credit, purchases need 20% down on a home you'll live in (10% on VA) and 50% on a rental, plus closing costs. All loans subject to credit approval.

Fastest answer: call or text (949) 401-7593 · you reach Arran's team, not a call center

Straight Answers Up Front

Can we fund your deal? Check before you apply.

We'd rather tell you now than waste your time. Here's what we can and can't do, plainly stated.

We can help with:

Primary homes, second homes and investment properties
Conventional, FHA, VA, DSCR, P&L, bank statement and hard money purchases
Purchases with 3% down at 620+ (0% on VA, 20% on a rental)
Below 620: 20% down on a home you'll live in (10% on VA), 50% on a rental
Same-day pre-approval letters

We're not the right fit for:

A loan larger than the purchase price (on VA, the financed funding fee can sit on top)
Less than 3% down at 620+ on a home you'll live in, outside VA (20% on a rental)
Below-620 purchases without the larger down payment (20%, 10% on VA, 50% on a rental)
Loans under $75,000
Properties outside the 35 states + D.C. where Arran is licensed

If your score improves, come back. We'd genuinely love to take another look. A gray-area scenario? Call or text (949) 401-7593.

Simple Qualifications

Ready to make an offer?

A strong pre-approval makes your offer stronger.

What You Need

To get pre-approved.

Your credit range, how you earn and your income
Your down payment, as a percent or a dollar amount (gift funds work on many programs)
A price range and target area
About 10 minutes for the full application

Check my options →

Keep In Mind

So there are no surprises.

The down payment depends on the program and your credit
Investment purchases need 20% down
Below 620 takes a larger down payment: 20% on a home you'll live in (10% on VA), 50% on a rental
A pre-approval is reviewed again before closing

Check my options →

Down payment by program

How much down, program by program.

The quiz above uses the general rule. Once we know your scenario, we match you to the program that fits, and each one has its own minimum.

Program	At 620+ credit	Below 620
Conventional, home you live in	3% (first-time buyers)	20%
Conventional, rental	20%	30%
FHA, home you live in	3.5%	20%
VA, home you live in	0%	10%
DSCR or rental property loan	20%	50%
Hard money	10% at 700+, 15% below 700	Rentals: 50%
P&L	20% at 680+, 25% at 660–679, 30% at 640–659	Not available (640 minimum)

Plus closing costs. All loans subject to credit approval.

Calculator

Purchase Calculator

Estimate your monthly payment for a home purchase.

Home Price$500K

$100K$2.0M

Down Payment10%

3%25%

Interest Rate

Enter the rate you want to model. We don’t advertise rates; your pricing is quoted individually.

Loan Term

Enter an interest rate above to see your results.

Calculator results are estimates only and do not constitute a loan offer, pre-approval, or commitment to lend. Actual terms may vary.

Products

A program for nearly every scenario.

Each program has its own page, its own 60-second quiz and the numbers that apply to it.

More programs are in the tabs at the top. Need something else? Call or text (949) 401-7593.

Our Process

From first question to funded, in four steps.

No guesswork. No pressure. Just a clear path to the right loan.

1
Tell us your scenario
Answer a few questions online in about 60 seconds, or call or text (949) 401-7593. Seeing your options takes no hard credit pull.
2
We shop your options
We shop your scenario across many lenders and lay out the trade-offs plainly, so you can pick the fit.
3
Apply and get approved
Complete the full application. We tell you up front which documents your program needs, and nothing more.
4
Close, and keep us on call
Sign and fund. When the next purchase, refinance or line of credit comes up, you already know who to call.

FAQ

Frequently Asked Questions

Common questions about Purchase Loan loans.

Get Started Today

Straight answers, fast.

Check your Purchase options in about 60 seconds with no hard credit pull, or call or text and talk it through with Arran's team.

Call / Text (949) 401-7593 Check my options online →

Rather pick a time? Book a call

West Capital Lending, Inc. is an Equal Housing Lender. We do not discriminate on the basis of race, color, religion, national origin, sex, handicap, or familial status.

Buying a home? Get pre-approved the right way.

What's your primary goal?

Can we fund your deal? Check before you apply.

We can help with:

We're not the right fit for:

Ready to make an offer?

To get pre-approved.

So there are no surprises.

How much down, program by program.

Calculator

Purchase Calculator

A program for nearly every scenario.

5-Day HELOC

P&L Loan

Investment (DSCR)

Refinance / Cash Out

Rental Property Loan

Hard Money

Conventional

FHA Loan

VA Loan

Reverse Mortgage

Equity Investment (HEI)

Bank Statement

No-Ratio

Not Sure? Show Me Options

From first question to funded, in four steps.

Tell us your scenario

We shop your options

Apply and get approved

Close, and keep us on call

Frequently Asked Questions

Straight answers, fast.