Traditional Loans

Purchase Home Loans for California Buyers

Buy your next home with a clear pre-approval plan, practical loan options, and guidance from application to closing.

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Who This Loan Is For

First-time homebuyers preparing to make an offer
Move-up buyers purchasing a larger or better-located home
Families comparing conventional, FHA, jumbo, or flexible loan options
Buyers who want a clear payment, down payment, and closing-cost plan

Benefits

Clear pre-approval planning before you shop
Side-by-side comparison of available loan options
Guidance on down payment, closing costs, and monthly payment
English, Cantonese, and Mandarin support

Qualification Requirements

Income, assets, credit, debts, and down payment are reviewed
Property type, appraisal, title, and underwriting requirements apply
Final approval depends on complete documentation and lender guidelines

Guidelines vary by lender and scenario. This page is general information only and is not a commitment to lend.

Common Scenarios

A first-time buyer wants to understand real affordability before touring homes
A family is moving up and needs to compare payment options
A buyer wants to compare FHA, conventional, jumbo, or flexible documentation options

Questions

Purchase FAQ

When should I get pre-approved before buying a home?

It is best to review pre-approval before you make serious offers. A document-based review helps you understand budget, down payment, estimated payment, and possible loan options before the purchase contract is signed.

What documents are usually needed for a purchase loan?

Common items include income documents, bank statements, identification, credit review, down payment source, and purchase contract once available. Exact requirements depend on the program, property, and lender guidelines.

Can I compare FHA, conventional, and jumbo options?

Yes. East Star Mortgage can help compare available options based on loan amount, credit, down payment, property type, and long-term goals. Final eligibility depends on underwriting and documentation.