Home purchase loans
that win offers.
A purchase loan is the mortgage that buys your home. Dwell Mortgage brokers purchase loans across 45+ lending partners, so conventional, FHA, VA, USDA, and jumbo lenders compete for your business, and your pre-approval is underwritten up front so sellers take your offer seriously.
A yes for every kind of buyer.
From 3% down conventional to FHA at 3.5% to down payment assistance that covers the gap. You don't need 20% down, and you don't need perfect credit.
VA loans with zero down and no monthly mortgage insurance. Several Dwell pros are veterans themselves and know PCS timelines firsthand.
Contingent offers, bridge strategies, and jumbo financing for the bigger place. Your pro coordinates the sell-and-buy so the timeline holds.
Bank statement loans, DSCR for rental properties, and asset-based programs. When the W-2 box doesn't fit, 45+ lending partners means a program that does.
From first call to keys, step by step.
Fifteen minutes on your scenario, then an underwritten pre-approval letter agents trust. Usually same-day.
You know your ceiling and your monthly payment before you fall in love with anything. Your pro re-runs numbers per house.
Offer accepted, rate locked, and 45+ lending partners compete for your final terms. You take the winning offer.
Most Dwell purchases close in 21 to 30 days. And closing once means zero lender fees on every refinance with us, for life.
Every purchase program under one roof.
From 3% down, fixed or adjustable. The standard for solid credit.
3.5% down, flexible credit. The first-time buyer workhorse.
Zero down, no monthly MI, for those who served.
Zero down for eligible rural and suburban areas.
Above conforming limits, for high-value properties.
Build it or fix it, including one-time close options.
Qualify on deposits or rental cash flow, not tax returns.
State and local programs that shrink the upfront cost.
Program availability varies by state and lender. See the full loan programs hub →
Buying, explained.
As little as 0% with VA or USDA, 3% with conventional, 3.5% with FHA. Down payment assistance can shrink it further. The 20% number is a myth for most buyers.
Pre-approval usually happens same-day. Once you're under contract, most Dwell purchase loans close in 21 to 30 days.
Your bank offers its own products at its own prices. Dwell makes 45+ lending partners compete for your loan and hands you the winning offer, and a no from one lender just moves your file to the next.
Generally 620+ for conventional and as low as 580 for FHA. Below that, your pro builds a game plan to get you there. More answers on the full FAQ →
More questions? The full FAQ has everything you need to know.
Your dream home
is a conversation away.
Fifteen minutes with a licensed pro gets you real numbers and a same-day pre-approval path. No credit pull to start.
Connect With a Pro →No credit pull to talk. No obligation. Real answers from a licensed pro.
Dwell Mortgage, LLC. Company NMLS #2426506. Licensed in WA (CL-2426506), OR (CL-2426506), CA (60DBO-176964), CO (MBR6421), UT (2426506), FL (MBR6421), ID (MBL-2082426506), TX (CL-2426506), AZ (MC-2001452). Headquarters: 2817 Wetmore Ave, Everett, WA 98201.
For informational purposes only. This is not a commitment to lend or extend credit. All loans are subject to credit approval. Program availability varies by state and lender. Equal Housing Opportunity. nmlsconsumeraccess.org
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