Loanatik
480-588-0397 Get my rate
Home / Purchase
Buy a home

A purchase loan that keeps up with your offer.

Start your pre-approval, shop with confidence, and keep your closing on track — with a licensed local officer who actually answers the phone.

Check my options Call 480-588-0397

Who it’s for

First-time buyers and move-up buyers — whether the house is in Mesa, Fresno, Fort Collins, or Lincoln — 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.

See what you qualify for

A few questions, one screen. A licensed officer reviews it and comes back to you — no credit pull to start. 8 required answers, the rest optional.

We lend on homes in Arizona, California, Colorado and Nebraska. In a hurry? Call 480-588-0397.