Home Purchase Loans
From pre-approval to closing, your entire home buying journey under one roof.
What Describes Your Situation?
Tell us about yourself and we will match you with the right program.
I am a…
Our Programs
Home Purchase Loan Programs
Four loan programs to fit your credit, your budget, and your timeline, all handled by one in-house team.
01.
Conventional Loans
The standard mortgage for buyers with good credit, with fixed and adjustable options and as little as 3% down.
02.
FHA Loans
Government-backed loans with down payments as low as 3.5% and flexible credit requirements for first-time buyers.
03.
VA Loans
Zero down payment and no monthly mortgage insurance for eligible veterans, service members, and surviving spouses.
04.
Jumbo Loans
Financing for high-value homes above conforming loan limits, with competitive rates and flexible qualification.
Common Questions
Frequently Asked Questions
How much do I need for a down payment?
It depends on the loan program. Conventional loans start at 3% down, FHA at 3.5%, and VA loans require zero down payment. We help you find the program that matches your budget.
What credit score do I need to buy a home?
Minimum scores vary by program: 620 for conventional, 580 for FHA, and VA has no set minimum though most lenders look for 580 or above. We review your full profile, not just the score.
How long does it take to close?
Our in-house processing team closes most purchase loans within 30 days of a signed contract. Complex scenarios may take slightly longer.
What is the difference between pre-qualification and pre-approval?
Pre-qualification is a preliminary estimate. Pre-approval is a verified commitment from a lender based on your actual credit, income, and assets. Sellers take pre-approval letters seriously.
Can I buy a home if I am self-employed?
Yes. Self-employed borrowers qualify through bank statements, tax returns, or asset-based documentation. We have programs designed specifically for business owners.
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Testimonials
What Our Clients Say
Real reviews from real homebuyers who trusted Opulence with their purchase.
Being a first time home owner, my experience with Opulence has been great. Everyone in the process provided me updates, informed me about the next step required, and the time to close. They listened to my concerns and found a way to make this dream come true.
Working with Opulence was a great experience. Everyone was extremely helpful and knowledgeable. Would definitely work with them again in the future.
Great experience, very professional and was guided through the process. Would use again and recommend to all of my friends whenever I get the chance.
Great service, entire staff was very professional. Would highly recommend.
Ready to Buy Your Home?
Whether this is your first home or your fifth, our team is ready to walk you through every option at no cost and no obligation.
