Purchase Loans · AZ · IL · TN
Buy Your Home.On Your Terms.
Most buyers go to their bank, take the rate they're offered, and never know what they left on the table. Sean shops over 100 wholesale lenders so you see what the market actually looks like — then decide.
Why GHM for Purchase
A Broker Shops. A Bank Sells.
Walk into a bank and they'll offer you whatever product they're selling this quarter. Work with Sean and you get access to rates and programs from over 100 wholesale lenders — banks, credit unions, and private investors most buyers never even know exist.
That competition typically means better pricing and more program options than any single lender can offer — whether you're a first-time buyer, a seasoned investor, or self-employed with a more complex income picture.
The Process
From Application to Keys
01
Pre-Approval
We review your income, assets, and credit to give you a real pre-approval letter — not just a pre-qualification estimate. Sellers and agents take it seriously.
02
Shop with Confidence
Know exactly what you can afford before you fall in love with a home. Your pre-approval gives you negotiating power in a competitive market.
03
Loan Selection
Once you're under contract, we compare options across 100+ lenders and select the loan that best fits your goals — rate, term, and down payment.
04
Closing
We handle the details so your closing is smooth. You'll know what to expect at every step, with no last-minute surprises.
Loan Programs
The Right Loan for Your Situation
Conventional
The most common purchase loan for buyers with solid credit. Low down payment options available, no upfront mortgage insurance premium, and a range of fixed and adjustable rate terms.
FHA
Insured by the Federal Housing Administration. Designed for buyers with lower credit scores or limited savings, with more flexible qualifying guidelines than conventional loans.
VA
Available to eligible veterans, active-duty service members, and surviving spouses. No private mortgage insurance required, and rates that are generally among the most favorable of any government-backed purchase program.
Jumbo
For loan amounts above conforming limits ($806,500 in most counties). Ideal for buyers in higher-cost markets like Scottsdale or Chicago's North Shore, with competitive rates for well-qualified borrowers.
USDA
Backed by the U.S. Department of Agriculture for eligible rural and suburban properties. Government-set rates with monthly mortgage insurance that is typically lower than comparable FHA loans.
Non-QM
For borrowers whose income doesn't fit standard W-2 documentation — self-employed professionals, real estate investors, or buyers with complex financial profiles. Bank statement and asset-depletion programs available.
Program availability, down payment requirements, loan terms, and rates vary by borrower qualification and market conditions. Contact Sean for current program details including APR. All loans subject to credit approval.
Ready to Start?
Let's Find Your Loan.
The online application takes about 10 minutes. Or book a free call with Sean to talk through your situation before you fill anything out.