Buy a Home with Confidence
Mortgage Pro Home Loans helps make the home buying process easier to understand — from pre-approval and loan options to closing day.
Whether you’re buying your first home, moving up, relocating or purchasing your next property, we’ll help you understand your options and what comes next.
- Veteran-Owned
- NMLS #2443859
- Secure Online Application
- Licensed in 5 States
- Experienced Mortgage Team
What Are You Trying to Do?
Buying My First Home
Start with the basics: pre-approval, down payment and what to expect.
Buying My Next Home
Moving up, downsizing or relocating with an existing home in the picture.
Using My VA Benefit
Purchase options for eligible veterans, service members and surviving spouses.
Need Down Payment Help
Assistance programs may be available depending on the state and program.
Building a Home
One-Time Close construction financing for buyers building rather than buying.
Buying a Second Home
Vacation or secondary residences follow their own guidelines.
Buying an Investment Property
Rental and investor financing is reviewed separately from owner-occupied loans.
Buying a Home, Made Simple
- 1
Talk With Us
A short conversation about your goals, timeline and what you want your payment to feel like.
- 2
Get Pre-Approved
We review your goals, basic financial information and available loan options so you have a sense of what price range may make sense before you shop.
- 3
Find Your Home
Shop with a clearer picture of your options, and share your pre-approval with your real estate agent.
- 4
Choose the Right Loan
We compare the programs you may qualify for and explain how each one generally works.
- 5
Complete Underwriting
Underwriting reviews your documentation, the property and the program guidelines that apply.
- 6
Close and Get the Keys
You review and sign your final documents, and the loan funds according to your closing instructions.
Want more detail? See the full loan process.
Home Loan Options
Program availability depends on the property, the state, occupancy, program guidelines and underwriting approval. These pages explain how each option generally works.
Conventional
A widely used option for buyers who meet agency and investor guidelines.
Learn more about conventional loansFHA
Government-insured financing often considered by buyers with limited down payment.
Learn more about fha loansVA
A benefit for eligible veterans, service members and qualifying surviving spouses.
Learn more about va loansUSDA
Financing for eligible buyers in areas designated as rural by the program.
Learn more about usda loansJumbo
For loan amounts above applicable conforming limits, subject to program guidelines.
Learn more about jumbo loansDown Payment Assistance
Program availability varies by state, program and borrower eligibility.
Learn more about down payment assistance loansOne-Time Close / Construction
One loan structure covering construction and the permanent financing that follows.
Learn more about one-time close / construction loansSecond Homes
Vacation and secondary residences reviewed under their own occupancy guidelines.
Learn more about second homes loansFinancing a rental or investment property? Those loans follow different guidelines — see investment property financing and DSCR loans.
Buying Your First Home?
First-time buyers usually arrive with the same set of questions — and all of them are reasonable ones to ask before you start shopping.
- How much down payment you may need
- How credit is reviewed
- What closing costs generally include
- What makes up a monthly payment
- How pre-approval works
- Whether assistance programs may be available
- What happens after you make an offer
Buying in Florida? Review the Florida first-time home buyer page for programs specific to that state.
Know Your Numbers Before You Shop
A monthly mortgage payment is usually more than principal and interest. Depending on the property and the loan, it may also include property taxes, homeowners insurance, HOA dues where applicable, and mortgage insurance. Your up-front funds generally include the down payment and closing costs.
Calculator results are estimates for educational purposes only. They are not a quote, pre-approval, or commitment to lend.
Calculate PaymentQuestions About Buying a Home? Ask Milo.
Milo can help explain mortgage terms, loan programs, down payments, pre-approval and what to expect during the home buying process. Milo is an AI education assistant — he is not a licensed loan originator and does not issue approvals, rates or loan decisions.
Why Buyers Choose Mortgage Pro Home Loans
Clear communication
Plain-English explanations at each stage, not jargon.
Multiple loan options
A range of purchase programs reviewed against your goals.
Experienced mortgage guidance
Licensed loan officers who walk through the details with you.
Veteran-owned company
Founded in August 2002 as a Veteran-owned mortgage company.
Personalized service
Your situation reviewed individually — not run through a template.
Technology-enabled process
A secure online application and digital document delivery.
Mortgage Help Where You Live
Mortgage Pro Home Loans is licensed in California, Colorado, Texas, Oklahoma and Florida. Program availability and requirements can differ by state.
View Branch LocationsHome Buying Questions
Ready to Start Your Home Buying Journey?
Let’s make the mortgage part easier to understand.
Important Disclosure
This material is for informational and educational purposes only and is not a commitment to lend. Loan programs, interest rates, loan-to-value limits, DSCR requirements, property eligibility and underwriting guidelines are subject to change and may vary by lender, loan program and borrower qualifications. DSCR financing is generally intended for business-purpose, non-owner-occupied investment property transactions. Additional restrictions may apply.
Tri-Peaks Mortgage Inc. dba Mortgage Pro Home Loans. See our state licensing and state disclosures for additional information.