Purchase Mortgage

Buy a home without any of the hassle

Need financing options on a home, or other real estate? Choosing a purchase loan product that matches your goals and making sure you get the best rate for your given scenario can feel like playing whack-a-mole.

We’re here to make the home loan process a whole lot easier, with tools and expertise that will help guide you along the way

  • First Time Home Buyer Programs
  • Low Down Payment Options
  • Rehabilitation Loans
  • Bank Statement Loans
  • Construction End Loans
  • Fixed Rates
  • Adjustable Rate
  • Conforming Loans
  • Jumbo & Super Jumbo Loans
  • FHA, VA & USDA Loans
  • Terms from 8 to 30 years

Do I qualify?

To qualify for a mortgage, lenders typically require that you have a debt-to-income ratio of “43/49.” This means that no more than 43% of your total monthly income (from all sources, before taxes) can go toward your new mortgage payment, and no more than 49.99% of your monthly income can go toward your total monthly debt (including your mortgage payment). VA and FHA loans even allow for higher debt ratios on a case by case basis.

Want to complete a full application?

Click below to begin the process. This may take about 30 minutes of your time.
Full Application
Top Lending Team, LLC
25 N Napa St, Spokane, WA 99202
NMLS# 1996008
(509) 381-0307