Looking to buy your dream home? At Richmond-mortgage, our Purchase Loans are crafted to guide you from offer to ownership with confidence and clarity. We help you secure competitive rates, navigate down payments, and select the mortgage that fits your goals — whether you’re a first-time buyer or experienced homeowner.
Buyers upgrading or downsizing their home
Investors purchasing properties (where allowed)
Anyone wanting a long-term mortgage for ownership
Tailored Loan Options — From low-down-payment programs to flexible term mortgages, choose what works best for you.
Competitive Rates & Clear Terms — We offer market-leading interest rates, full transparency, and no surprises.
Support for Every Buyer — First-time, repeat, or investment buyers — we adapt to your needs.
Fast, Streamlined Process — Our dedicated team expedites approval, underwriting, and closing.
Equity Building from Day One — Your monthly payments help build your ownership stake.
Ownership with Pride — Once closed, the home is yours — a place to call your own and invest in your future.
Ans: That depends on the program some allow as low as 3% down, others require more for special or jumbo properties.
Ans: Immediately as you pay down principal, your ownership in the property increases.
Ans: Yes once approved, you can lock in your rate to protect against market changes.
Ans: No surprises Richmond-mortgage provides full cost breakdowns upfront so you know exactly what you’ll pay.
Ans: Typically 30–45 days, depending on appraisal, underwriting, and document turnaround.
Ans: Strong credit helps, but programs exist for moderate credit too, and our team will guide you.
