30-Year Fixed
Predictable monthly payment for 30 years. The most popular choice for first-time buyers.
Learn more →Find out how much home you can afford right NOW!
Know exactly what you can afford before you start searching for a home.
Home purchase loans
Congratulations! You're ready to buy a home.
Mortgage Home Purchase Loans without the Hassle! Need financing options on a home, or other real estate? Choosing a purchase loan product that matches your goals and making sure you get the best rate for your given scenario can feel like playing whack-a-mole. We're here to make the home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with a FREE pre-approval letter request. We'll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you're a first-time home buyer or a seasoned investor.
Pick the right loan
Pick the right home purchase loan for you.
Becoming a homeowner all depends on finding the best possible loan scenario for your unique situation. We're here to help you make that choice — whether this is your first home or your fifth.
We'll walk you through fixed vs. adjustable, conforming vs. jumbo, and the trade-offs between low-down-payment programs like FHA and VA versus conventional financing — in plain English, with the numbers that matter for your actual purchase.
Start your pre-approval →
"Can't believe how fast and simple you made this. We got pre‑approved for $580K and were in our dream home less than 3 weeks later. We love Crestline Funding Corporation!"
Angela & Todd
First-time home buyers
Eligibility
Do I Qualify?
To qualify for a mortgage, lenders typically require that you have a debt-to-income ratio of "43/49." This means that no more than 43% of your total monthly income (from all sources, before taxes) can go toward your new mortgage payment, and no more than 49.99% of your monthly income can go toward your total monthly debt (including your mortgage payment). VA and FHA loans even allow for higher debt ratios on a case by case basis.
Loan features
Programs we offer.
Fixed Rates
Adjustable Rate (ARM)
Conforming Loans
Jumbo & Super Jumbo
FHA / VA / USDA
Terms from 5 to 30 Years
Loan products for buyers
The right loan for your situation.
From 3.5% down FHA to $2.5M jumbo to VA with zero down, we have options.
FHA
3.5% down payment minimum. Flexible credit requirements. Great for first-time buyers.
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Plan your purchase
What can you afford?
Use this calculator to estimate your buying power based on income and current debts.
Results are estimates only. Taxes, insurance, PMI, and HOA dues not included. Final terms depend on credit, property, and program guidelines.
FHA loans start at 3.5% down. Conventional typically 5-20%. VA is zero down. We can help you explore all options based on your financial picture.
A soft pre-approval (for your real estate agent) takes minutes. A full underwritten pre-approval typically 24 hours once you submit income and asset documents.
Pre-qualification is a quick estimate. Pre-approval involves a credit pull and verification of income and assets, giving sellers confidence in your offer.
Typically 21-30 days, tied to your contract timeline and appraisal turn time. We never delay the close — if the appraisal is ready, we're ready to fund.
Absolutely. A good-faith estimate and rate lock are free. We're confident our pricing and service will earn your business.
Closing costs vary by loan type and state. We'll provide a full Closing Disclosure 3 days before signing. Ask about seller concessions or lender credits.