Shane Direct: (949) 322-3616 | Brian & Nichole: (949) 202-5332

Home Purchase Loans

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Wherever you are located and whatever your financial situation, you deserve to purchase a home with an affordable mortgage that is tailored to your short- and long-term needs.

The Best Home Loans is a nationwide mortgage company which focuses on providing customized solutions for individuals with a wide spectrum of loan scenarios.

Even if you have been turned away by one of the big banks or you have had a foreclosure or bankruptcy in your past, you can qualify for a competitive home loan.

Home Purchase Loan Options from The Best Home Loans

So that we can meet the needs of every customer, we offer the following selection of mortgage products:

FHA

FHA loans insured by the Federal Housing Administration (FHA) are an excellent option for first-time homebuyers. They also can offer a road to affordable homeownership for repeat homebuyers without ideal credit. Your down payment could be as low as 3.5%.

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VA

A VA loan is insured by the Department of Veterans Affairs (VA). It carries zero down payment, affordable interest rates, low closing costs, and no PMI requirement.

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USDA

Conventional loans are available to those who are shopping for properties that can be financed within the parameters set by Fannie Mae and Freddie Mac for conforming mortgages.

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Conventional

If you are borrowing less than the conforming loan limit for Fannie Mae and Freddie Mac, a conventional loan can be customized to your needs with a long-term and mortgage rate which work for you.

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Jumbo

A jumbo loan is necessary when exceeding conventional loan limits. We can help you qualify for competitive rates.

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Bank Statement Loan

For those who cannot apply for a mortgage using traditional paperwork such as a W-2 to prove income, our bank statement loan program provides an easy, flexible alternative.

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What Is the Most Suitable Type of Home Loan For Your Needs?

A great mortgage experience starts with choosing the type of loan which is most suitable for you.

What you qualify for will be based on factors such as:

  • Your credit score and debt-to-income ratio.
  • How much you earn.
  • Your employment status.
  • How long you have been continuously employed.
  • Your status in the military (past or present).
  • Down payment size.
  • The type of property and its location.

Some factors that you should consider when choosing a loan offer to accept include:

  • Whether you plan to stay in the home for short time period or a long time period.
  • How much room is in your budget every month.
  • Whether you can afford to purchase private mortgage insurance (PMI).

Why Choose The Best Home Loans For Your Home Purchase Loan?

We specialize in connecting customers with challenging financial situations with competitive mortgages. Whether a low credit score or income is your hurdle or you are having a difficult time documenting your income, we can match you with a mortgage that will allow you to purchase a home now.

We guarantee your mortgage through our Lender for Life Program. Through this program, you can look forward to a no-cost refinance on your mortgage at any time over the years ahead.

Because we operate in all 50 states, we can match you with a loan at any point now or in the future. If you move across the country at some point, we will be able to match you with a fantastic mortgage at that time, just as we can today in the state where you are currently located. The relationships we build with customers truly last a lifetime.

What Our Clients Are Saying

al harvey
al harvey
03:08 13 Mar 20
Professional, knowledgeable, very accessible and easy to talk to. And we closed early! Couldn't be happier!
Brianna Thierfelder
Brianna Thierfelder
05:08 18 Jan 20
Brian and Nichole were awesome to work with. We got the best rates on our fixed mortgage (others tried to beat it, but couldn't), closed on time (within a month), and they were available and quickly responded to any questions we had. We received weekly updates on our loan status, as well. They truly go above and beyond and are genuinely wonderful people. We felt like they did everything they could in our best interest and make the process go so smoothly, especially for as fast as it went. I highly recommend working with Grand Lending Team and will definitely work with them if we ever refi or buy again.read more
Jenny Roberson
Jenny Roberson
03:42 05 Dec 19
We worked with Nichole for our initial loan on the purchase of our first house and when it was time to refinance, we of course went to Grand Lending! The process was easy and both Nichole and Brian were available to answer any question we had... wonderful experience during what could be a stressful event- would definitely recommend!read more
Casey Mitchnick
Casey Mitchnick
17:00 21 Nov 19
Brian and Nichole VerBurg were professional, kind, and always promptly responded to inquiries. I look forward to working with them again in the future
Azhang Hamlekhan
Azhang Hamlekhan
16:17 22 Oct 19
Brian and Nichole are awesome! They were honest, clear and responsive in every step of my refinance process. I will work with them for my next home loan.
Pyam Ramnes
Pyam Ramnes
03:33 20 Oct 19
It's been an easy and clear process. Both Nichole and Brian are awesome.
Robert Kodama
Robert Kodama
21:36 09 Oct 19
Nichole and her assistant Brian are a dynamic lending duo. I have worked with them on several home and multi unit loans and they have always produced with flying colors. I have received the best rates and the best customer service. Getting a loan can be stressful but they make it smooth and simple. I Just closed on a home recently and they helped make it an enjoyable process. Thanks you two and best of luck!read more
Jason Groel
Jason Groel
16:49 04 Oct 19
My experience with Brain and Nicole couldn’t have been better. We partnered together buying our new home and refinance that loan. In a situation that can be overwhelming Brian and Nicole certainly know how to make everything as streamlined as possible. The best part about working with Brian and Nicole is that they consistently watch your loan to ensure you are getting the best deal. Without them I would not have refinanced and would not be saving over $400 a month. Thanks you Brian and Nicole.read more
E D
E D
20:25 20 Sep 19
Brian is honest, caring and smart. He helped me with my loan and i got an unbeatable rate. Totally satisfied with Grand Lending Team service.
Scott
Scott
23:52 16 Sep 19
A bright light in a dark industry!!!!This is the second mortgage we have done with Brian and Nichole and they are the only ones we would use moving forward. First with the purchase of our home. Nichole was right there at evert step and was very quick to response to any questions we had. Thank you Nichole!!!On our refi, Brian not only got us a better rate then was first presented. Brian and Nichole again had us covered. We never ever had to think "what was happening with our loan?" I would 100% recommend Brian and Nicole and the Grand Lending Team for all of your mortgage needs. They are the only people I trust with my mortgage needs!!!Thanks,Scottread more
Uncle Eddy's Lasagna
Uncle Eddy's Lasagna
20:42 01 Aug 19
As a former corporate real estate executive & broker I ca strongly recommend this group. They handled all aspects of my loan in a very professional manner & brought it to a very successful closing with a great rate & terms.read more
Dorothy Lee-Jenkins
Dorothy Lee-Jenkins
01:57 01 Aug 19
Nichole & Brian did a wonderful job with our re-fi. We highly recommend their services. Very professional and return calls promptly. We would use them again.
Hayden Kracke
Hayden Kracke
19:14 17 Jul 19
Brian and his wife Nichole were on top of everything before they were even asked. I switched to them mid-escrow and they Killed it! They will be the only lender I will use for the rest of my life
Hayden Kracke
Hayden Kracke
19:14 17 Jul 19
Brian and his wife Nichole were on top of everything before they were even asked. I switched to them mid-escrow and they Killed it! They will be the only lender I will use for the rest of my life
ANTHONY GIARRUSSO
ANTHONY GIARRUSSO
14:07 20 Mar 19
I highly recommend, ended up with a great rate on my refi. I got a quote from Chase and these guys beat it by .25%. The process was smooth and easy. I haven’t worked with an easier company, they have the process down.read more
laurie plunkett
laurie plunkett
01:23 12 Mar 19
Nichole is the best and she really knows the business. We have done an initial purchase with her in 2009 and a re-fi in 2016. As anybody knows, it can really be a frustrating process, but not with Nichole. She moves to get you closed quickly and makes everything go smoothly. You will not be disappointed with having Nichole take care of everything for you.read more
Peter Helmuth
Peter Helmuth
19:44 10 Mar 19
I highly recommend Nichole and her team. They did a great job and got us a much better rate than the bank we've been using for over 12 years. We got a mailer from her urging us to compare her rates to our bank and sure enough her rate was better. When we locked the rate it was even a little better than expected and as she promised there were no extra fees involved. I had a great experience and would highly recommend them for your next mortgage.read more
Brett Davis
Brett Davis
20:01 28 Feb 19
The Grand Lending team came through in crunch time and took care of everything they said they would . My life was a lot easier thanks to their hard work and dedication!
Victoria Monroe
Victoria Monroe
03:53 13 Feb 19
Nichole was very helpful and able to get me a loan with a way lower rate than everyone else I talked to. I shopped around with several lenders and I even had one tell me her rate and fees were impossible to get, that it would be changed! I stayed with her and she showed me proof of the locked rate and I was able to close my loan with ease! Her assistant Brian was very informative and helped me along the way. I would highly recommend using this company if you are selling a house, buying a house or just refinancing a loan!read more
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Buy a Home Now With a Flexible, Competitive
Mortgage

If you are ready to buy a home now with a competitive loan anywhere nationwide, The Best Home Loans is here to connect you with your ideal mortgage. To schedule your consultation to purchase a home, please call (800) 293-2133. We work with customers in all 50 states.

Get Pre-aproved Today!