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 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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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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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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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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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

Facundo Lavino
Facundo Lavino
19:16 26 Oct 21
Nichole and Brian are AMAZING. They were resourceful, patient and made it happen for us. We got a new house thanks to them. Thank you very much
They did an amazing job of getting the rates we wanted and quickly with ease. I highly recommend them if you are buying in CA!
Shaktivan Chamba
Shaktivan Chamba
22:18 15 Oct 21
Brian and Nicole are a pleasure to work with. appreciate the clarity, availability to answer the many questions, capabilities to succuessfully fund, kindness, trustworthiness. thanks
Nauz Karami
Nauz Karami
14:42 13 Oct 21
It was such a pleasure to work with Brian and Nichole on this loan. As a real estate professional I work with so many lenders/ brokers so when it came time to choosing one for my personal deal I definitely had a lot of options. with that said I chose Brian and his team as they were the most responsive, gave me the best rate and we’re so on top of the file. The whole process was super easy and smooth and we didn’t have a single delay! Will definitely be sending all my clients to Grand Lending Team.
00:35 13 Oct 21
We had a great experience working with Nicole & Brian. They were efficient, professional, thorough, and made us feel comfortable throughout the entire process.

Buy a Home Now With a Flexible, Competitive

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!