🏡 Home Purchase

The Right Home. The Right Loan.
The Right Broker.

Buying a home is one of the biggest decisions of your life — and who you choose to finance it matters just as much as the home itself. With access to 180+ wholesale lenders and 25 years of experience, I find the best loan for your specific situation, every time.

📅 Get Pre-Approved Today 📞 844-786-1865

180+Wholesale Lenders

3.5%Min Down (FHA)

25yrExperience

$0Junk Fees

How It Works

From First Call to Keys in Hand

The home buying process doesn't have to be stressful. When you work with me, I handle the entire mortgage side of your transaction — from pre-approval to closing — so you can focus on finding the right home.

As an independent broker with access to 180+ wholesale lenders, I'm not limited to one bank's products or rates. I shop the entire market on your behalf and present you with the best options for your situation — your income, your credit, your down payment, and your goals.

Whether it's your first home, your forever home, or an investment property, I've seen every scenario in 25 years and I'll find a path forward.

Free Consultation We start with an honest conversation about your goals, budget, and timeline. No pressure — just clarity about your options.

Pre-Approval I pull your credit, review your financials, and issue a pre-approval letter that makes sellers take your offer seriously.

Shop & Offer Work with your real estate agent to find the right home. I stay available throughout to answer questions and run numbers on any property.

Loan Processing Once under contract, I manage the entire loan process — coordinating with the lender, title, escrow, and your agent to keep everything on track.

Clear to Close Final underwriting approval. I review your closing disclosure with you so there are no surprises at the table.

Closing Day Sign your documents, fund the loan, and get your keys. Congratulations — you're a homeowner.

Purchase Loan Programs

Every Buyer Has the Right Program

No two buyers are alike. Here's a snapshot of the purchase loan programs I work with — and I'll match you with the right one for your situation.

🏡 First-Time Buyers First-Time Homebuyer

Low down payment options, down payment assistance programs, and expert guidance for buyers purchasing their first home.

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🏛️ Government-Backed FHA Loans

3.5% down, flexible credit requirements, and gift funds allowed. The most accessible path to homeownership for many buyers.

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🎖️ Veterans & Military VA Loans

0% down payment, no PMI, and competitive rates for eligible veterans, active-duty service members, and surviving spouses.

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🏰 High-Value Properties Jumbo Loans

Financing above $832,750 for luxury homes and premium properties — with flexible underwriting and competitive wholesale rates.

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🔑 62+ Homeowners HECM for Purchase

Buy a new home using a reverse mortgage — with no monthly mortgage payments required. A powerful tool for senior homebuyers.

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📊 Real Estate Investors DSCR Loans

Purchase investment properties with no personal income verification. Qualify based on the property's rental cash flow instead.

Learn More →

Why Work With Peter

The Independent Broker Advantage

When you finance through a retail bank, you get one set of products at one set of rates. When you work with me, you get the entire market — at wholesale prices.

🏦 180+ Lenders, One Application I submit your scenario to multiple wholesale lenders simultaneously and present you with the best options — without you making a dozen phone calls yourself.

💰 Wholesale Pricing Retail banks mark up their rates for profit. As a wholesale broker, I access the same pricing banks use internally — and pass those savings directly to you.

🎯 I Work For You My entire business is built on referrals. That means my incentives are 100% aligned with yours — I only succeed when you get the best deal.

⚡ Fast Closings In competitive markets, speed wins. I personally manage every file from application to close — no handoffs, no delays from departmental silos.

🔍 Complex Scenarios Welcome Self-employed? Recent credit challenges? Unconventional income? Different lenders have different guidelines — and after 25 years, I know which lender fits which borrower.

📞 Direct Access — Always You'll have my direct line. No call centers, no being passed around. When you have a question, you reach me — Peter — directly.

General Requirements

What You Need to Get Started

Requirements vary by loan program — but here's what most lenders look for across the board. Don't worry if you don't check every box — that's why you work with a broker.

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Credit Score580+ for FHA, 620+ for conventional, 700+ for jumbo. I work with lenders across all credit tiers — including borrowers rebuilding credit.

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Down PaymentAs low as 0% (VA/USDA), 3% (conventional), 3.5% (FHA), or 10–20% (jumbo). Down payment assistance programs may further reduce this.

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Stable Income2 years of employment history is ideal. Self-employed, contract, gig, and commission-based borrowers can also qualify with the right documentation.

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Debt-to-Income RatioGenerally 43–57% depending on the loan program. Higher DTI may still qualify with compensating factors like strong credit or larger down payment.

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Property TypeSingle-family homes, condos, townhomes, multi-unit properties (2–4 units), and manufactured homes may all qualify depending on the loan program.

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ReservesSome programs require 1–6 months of mortgage payments in savings after closing. Specific reserve requirements vary by loan type and lender.

Planning Tools

Run Your Numbers

Use these calculators to estimate your purchasing power and monthly payment before you start shopping.

Annual Income$90K

$20K$500K

Monthly Debts$500

$0$5,000

Down Payment$30K

$0$500K

Interest Rate6.75%

3%12%

Max Home Price $412,000 Estimated maximum based on 43% DTI. Actual approval depends on credit, lender, and loan program.

Max Monthly Payment$2,725

Estimated Loan Amount$382,000

Down Payment$30,000

DTI Ratio Used43%

Want your real pre-approval number?

I'll run a full analysis across 180+ lenders — free 📅 Get Pre-Approved Free

Home Price$400K

$50K$3M

Down Payment %10%

0%40%

Interest Rate6.75%

3%12%

Loan Term30 yrs

10 yrs30 yrs

Monthly Payment (P&I) $2,335 Principal & interest only. Add taxes, insurance & HOA for your full payment.

Loan Amount$360,000

Down Payment$40,000

Total Interest Paid$480,709

Total Cost of Loan$840,709

Ready to make it real?

Let's find the best rate across 180+ lenders for you 📅 Get My Best Rate

Common Questions

Home Purchase FAQs

What's the difference between a pre-qualification and a pre-approval?+

Pre-qualification is a quick estimate based on self-reported information — it holds little weight with sellers. Pre-approval involves a full review of your credit, income, and assets, resulting in a verified letter that shows sellers you're a serious buyer with confirmed financing. I always recommend going straight to pre-approval — it's free and puts you in the strongest possible position.

How much do I need for a down payment?+

It depends on your loan program. VA and USDA loans offer 0% down. FHA requires 3.5%. Conventional loans can go as low as 3%. Jumbo loans typically start at 10–20%. Down payment assistance programs can reduce these amounts further. After our consultation, I'll identify every program you qualify for to minimize your out-of-pocket costs.

Why should I use a broker instead of going directly to my bank?+

Your bank offers one set of products at retail prices. As an independent broker, I have access to 180+ wholesale lenders and shop your loan to find the best rate and terms available in the market. On a $400K loan, even a 0.25% rate difference saves over $20,000 over the life of the loan. Plus, I work for you — not for a bank — so my job is to find what's best for your situation.

How long does it take to close on a home?+

Most purchases close in 21–30 days from accepted offer. I manage the entire process personally — coordinating with the lender, title, escrow, and your agent — to keep things moving quickly. In competitive markets where fast closings matter, my hands-on approach has helped clients win deals that slower lenders would have lost.

Can I buy a home if I'm self-employed?+

Absolutely. Self-employed buyers can qualify using 2 years of tax returns, bank statements (12–24 months), or in some cases a P&L statement. The key is finding the right lender who understands self-employed income — which is exactly what I do. Many self-employed buyers who were turned down elsewhere have closed successfully through my network.

What are closing costs and how much should I expect?+

Closing costs typically range from 2–5% of the loan amount and include lender fees, appraisal, title insurance, escrow, prepaid interest, and property taxes. As a wholesale broker, I eliminate junk fees — you only pay for what's necessary. In some cases, seller concessions can cover part or all of your closing costs, which I'll help negotiate as part of your purchase strategy.

Let's Find the Right Loan
for Your New Home.

No pressure. No obligation. Just 25 years of honest expertise and a genuine commitment to finding you the best mortgage available — not just any mortgage.

📅Schedule a Free Call 📞844-786-1865 📧[email protected]

📅 Get Pre-Approved Today

This page is for informational purposes only and does not constitute financial, legal, or tax advice. Loan products, rates, and eligibility requirements vary by lender and are subject to change. Calculator results are estimates only. Please consult a licensed mortgage professional for personalized guidance. Optimized Home Loans powered by Barrett Financial Group, L.L.C. | NMLS #181106 | Equal Housing Lender. Peter Seroter NMLS #997692.

Thank you for choosing us. We are dedicated to helping you achieve your homeownership goals with personalized service and expert guidance. For more information or assistance, feel free to reach out to us anytime!