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Purchase Loans

Making homeownership happen.

Whether you're buying your first home, upgrading to your dream space, or investing in a new property, the right mortgage makes all the difference. Rolando offers a variety of purchase loan options — competitive rates, flexible terms, and guidance every step of the way. Every buyer's journey is different, so there's a program to match yours.

Couple unpacking boxes in their new home

Conventional Loan

Great for buyers with solid credit and stable income. Flexible terms and a variety of down payment options. Often offers the most competitive interest rates for well-qualified borrowers and can be used for primary homes, second homes, or investment properties. These loans also allow you to remove mortgage insurance once you reach 20% equity, helping lower your monthly payment over time.

Conventional Loan Benefits
As low as 3% down for first-time buyers
MI can be removed once you reach 20% equity
Can be used for primary, secondary, or investment properties
620 minimum credit score

FHA Loan

A good fit for first-time buyers or those with less-than-perfect credit. Low down payment and more flexible guidelines. This government-backed program helps make homeownership possible for many who might not qualify for conventional financing. FHA loans also allow for higher debt-to-income ratios, giving you more room in your budget for your dream home.

FHA Loan Benefits
As low as 3% down for first-time buyers
MI can be removed once you reach 20% equity
Can be used for primary, secondary, or investment properties
620 minimum credit score

VA Loan

For eligible veterans, active-duty service members, and surviving spouses. No down payment, no mortgage insurance, and competitive rates. A powerful benefit earned through service, VA loans also allow for more flexible credit and income requirements. Plus, closing costs are limited by the VA, which can save you even more money at the settlement table.

VA Loan Benefits
Zero down payment required
No monthly mortgage insurance (MI)
Flexible credit & DTI guidelines
Competitive rates & no prepayment penalty

USDA Loan

Designed for homes in eligible rural and suburban areas. No down payment and low monthly mortgage insurance. Ideal for buyers seeking affordable financing in less densely populated communities. USDA loans also feature competitive interest rates, making them a great option for stretching your homebuying budget.

USDA Loan Benefits
100% financing — no down payment
Low monthly mortgage insurance
Credit score as low as 550
Geographic and income limits may apply

Jumbo Loan

Buying a higher-priced home? Jumbo loans let you borrow above the conventional loan limits — with competitive terms. Perfect for luxury properties or homes in high-cost areas where traditional limits don't stretch far enough. These loans often require stronger credit profiles and higher reserves but offer tailored financing for large-scale purchases.

Jumbo Loan Benefits
10% minimum down payment
Loan amounts greater than $806,500
Competitive rates and terms

First-Time Buyer Programs

Special options to help new buyers with down payment assistance and easier qualification. These programs are designed to make that first home purchase more affordable, even if you haven't saved a large nest egg. Many include reduced mortgage insurance costs or special incentives that lower your overall monthly payment.

First-Time Buyers Programs Benefits
Helps cover down payment & closing costs
Designed for first-time & low-to-moderate income buyers
Can be combined with FHA, VA, USDA, or conventional loans
Flexible repayment or forgiveness terms

Ready to start the conversation?

Clear terms. Real answers. One direct line.

Start your application Call (210) 885-3369