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KNB Capital · Home Purchase
Home Purchase
Loans
From first-time buyers to move-up buyers to investors — we shop 100+ wholesale lenders to match you with the right program, the right rate, and the right structure for your purchase.
The Basics
Why Work With A Mortgage Broker For Your Purchase?
When you go to a bank, you get their rate. When you work with KNB Capital, we shop dozens of wholesale lenders simultaneously to find the best rate for your exact profile — credit score, loan type, down payment, and property type all affect pricing significantly.
We issue pre-approval letters the same day in most cases, work with your real estate agent to meet contract timelines, and guide you through every step from application to closing. Whether you’re buying your first home or your fifth investment property, we have a program for you.
Do You Qualify?
Find Your Loan Program
VA Loans
Zero down, no PMI for veterans and active-duty service members. One of the most powerful purchase programs available in California.
FHA Loans
3.5% down, 580+ credit. The most accessible path to homeownership for first-time buyers and those rebuilding credit.
Conventional
3–20% down, flexible terms, PMI-removable. Best long-term value for borrowers with solid credit.
Jumbo & Non-QM
High-value purchases above $806K, or alternative income documentation for self-employed and investor buyers.
Common Questions
What Home Buyers Ask Us Most
How Long Does Pre-Approval Take?
Same-day in most cases. Submit your application and income documents in the morning, and we typically have a fully underwritten pre-approval letter by end of day.
What Credit Score Do I Need To Buy A Home?
FHA allows 580+. Conventional allows 620+. VA has no official minimum but most lenders want 580–620. Higher scores mean better rates — we’ll tell you exactly where you stand and whether it’s worth waiting to improve.
How Much Down Payment Do I Actually Need?
As little as 0% (VA or USDA), 3% (conventional), or 3.5% (FHA). Down payment assistance can cover most or all of that. Many buyers find their real out-of-pocket cost is far less than they assumed.
Ready To Start Your Purchase?
Get pre-approved today — same-day letters available for most clients.