Buying a home? Get matched with lenders who want your loan.
One short request. Lenders in our network compete for purchase loans on single-family homes, condos, townhomes, and 2–4 unit properties — nationwide.
What a purchase loan is
A purchase mortgage is the loan that funds the price of a home you are buying, secured by the home itself. Most buyers choose a fixed-rate loan because the payment never changes; others pick a shorter term to pay less interest over time, or an adjustable-rate loan when they plan to move or refinance within a few years. Your lender will lay out the exact terms available to you.
The programs lenders in our network commonly offer
- Conventional — the standard loan for buyers with solid credit, with low-down-payment options for qualifying first-time buyers and the ability to avoid mortgage insurance with a larger down payment.
- FHA — government-insured loans with flexible credit and down-payment requirements; popular with first-time buyers and buyers rebuilding credit.
- VA — for eligible veterans, active-duty service members, and some surviving spouses, with no down payment required for eligible borrowers and no monthly mortgage insurance.
- Jumbo — for loan amounts above the conforming limit ($832,750 for a one-unit home in most of the U.S. in 2026, per FHFA), with stricter reserve and credit requirements.
Which program fits you depends on your credit, down payment, the property, and how you will use it. That is exactly what the lenders we match you with sort out — on the phone, with real numbers. For program specifics and the math lenders use, see our mortgage guides.
What lenders typically look at
- Credit — your score and history. Many programs start in the low-to-mid 600s; the best pricing generally lands at 740+.
- Income and employment — two years of history is the norm; self-employed buyers can qualify with tax returns or, on some programs, bank statements.
- Down payment and reserves — where the money is coming from and whether you will have anything left after closing.
- Debt-to-income (DTI) — your monthly debts, including the new payment, against your gross monthly income.
- The property — an appraisal confirms value and condition; condos and multi-unit homes have a few extra checks.
Where Quickie Mortgages fits
We are not the lender. We are the front door: you tell us what you are buying and roughly where you stand, and we hand your request to licensed lenders who actually close these loans. They call or text you, usually the same business day, and you compare. No hard credit pull happens until you choose a lender and authorize it.
Questions people ask
Do I need to be pre-approved before I make an offer?
Most sellers and agents expect a pre-approval letter with any offer. A lender in our network can typically issue one within a day or two once they verify your income, assets, and credit.
How much do I need for a down payment?
It depends on the program and on you. Eligible VA borrowers may put nothing down, FHA and some conventional programs are designed for smaller down payments, and a larger down payment avoids mortgage insurance on a conventional loan. Tell us what you have saved — a lender will tell you which programs it opens.
Will requesting matches affect my credit score?
No. Quickie Mortgages does not pull credit. A lender only checks your credit after you speak with them and authorize it, and multiple mortgage inquiries within a short shopping window are generally treated as one by the scoring models.
See what lenders will offer you — in about three minutes.
Answer a few questions about the home and your situation. Licensed lenders in our network reach out with real options; you compare and choose. No obligation, and no hard credit pull to get matched.