Buy a home
A purchase loan that keeps up with your offer.
Get pre-approved fast, shop with confidence, and close on the date you were promised — with a licensed local officer who actually answers the phone.
Who it’s for
First-time buyers and move-up buyers across Arizona, California, Colorado, and Nebraska who want a straight answer on what they qualify for — and a pre-approval strong enough to win in a competitive market.
Why borrowers choose it
- Fast pre-approvalKnow your number in about a day, so you can make offers with confidence.
- Program flexibilityConventional, FHA, VA, and jumbo — matched to your goals, not a one-size script.
- Low-down-payment optionsAs little as 3% down for many qualified buyers, plus down-payment assistance where available.
- One officer, start to closeThe same local expert from application to keys — no rotating call center.
General guidelines
Every borrower is different — these are typical starting points, not promises. Your officer will confirm what fits your situation.
Credit score
620+
Typical for conventional; other programs may allow lower.
Down payment
3%–20%
Varies by program; less down may add mortgage insurance.
Debt-to-income
~43%
Often the general target; some programs allow more.
Common questions
How fast can I get pre-approved?
Often within a business day once we have your basic details. A verified pre-approval makes your offer stronger and helps you shop in your real price range.
Does checking my rate hurt my credit?
Getting an initial rate estimate uses a soft inquiry that doesn’t affect your score. A full application later involves a hard credit pull, which your officer will explain first.
How much do I really need for a down payment?
Many qualified buyers put down as little as 3%. More down can lower your payment and may remove mortgage insurance — your officer will show you the trade-offs.
Which states does Loanatik lend in?
Loanatik is licensed in Arizona, California, Colorado, and Nebraska.
Ready when you are
Let’s get you pre-approved.
Answer a few quick questions — no impact to your credit to check — and we’ll take it from there.