Home Purchase Loans
Whether you're a first-time buyer or a seasoned homeowner, we'll find the right loan structure, guide you through every step, and close on time — every time.
We start with a quick conversation about your income, assets, and goals to give you a clear picture of your buying power before you shop.
We pull your credit, verify documents, and issue a formal pre-approval so sellers know you're serious and ready to move.
Shop with confidence knowing exactly what you're approved for. We stay on standby to answer lender questions as they arise.
Once your offer is accepted, we formally submit your loan application and lock in your rate at the optimal time.
We manage the underwriting process and coordinate your property appraisal, keeping everything on schedule for your closing date.
Sign your final documents, fund the loan, and collect the keys to your new home. We'll be there through every signature.
The most common home loan — a fixed interest rate and stable monthly payment for the full life of the loan. Ideal for buyers who value long-term predictability.
A shorter term with a lower interest rate means less interest paid overall. Great for buyers with strong cash flow who want to own their home sooner.
For loan amounts exceeding conforming limits. Available in fixed and adjustable-rate structures with competitive pricing for qualified borrowers.
Government-backed financing with down payments as low as 3.5% and flexible credit requirements. Perfect for first-time buyers building their financial footing.
Zero down payment, no mortgage insurance, and competitive rates — exclusively for eligible veterans, active-duty service members, and surviving spouses.
Can't document income through traditional tax returns? We offer bank statement loans, asset depletion, and DSCR programs designed for your situation.
As an independent mortgage broker, we're not tied to one lender's products. We shop hundreds of wholesale programs on your behalf to find the sharpest rate and best terms for your exact situation.
You'll work directly with Baudwan — not a call center, not a processor — throughout every stage of your transaction. Fast responses, transparent communication, and a relentless commitment to your closing date.
Everything you need to know before you start your home search.
Real-time rate data powered by Optimal Blue. Rates shown are indicative — contact us for a personalized quote based on your credit profile and purchase price.
Rates displayed are market indices and do not constitute a loan offer. Your actual rate will depend on credit score, LTV, loan amount, and other factors. Contact Baudwan Barakat NMLS 1781814 for a personalized rate quote.