Modern farmhouse with white siding, black windows, and a front porch

Purchase

Buy with a pre-approval that is built to be believed.

Start with a pre-approval so you know the budget, then shop with a realtor, write the offer, and close. USA Mortgage Group originates FHA, VA, and conventional purchase loans in Texas, Florida, Colorado, and California.

One size does not fit all. Every file is built around your price, your down payment, and your timeline — not a generic quote.

Choose a path

FHA loans

Government-insured, often 3.5% down, with mortgage insurance.

Conventional

As little as 3% down for some buyers. PMI can come off at 20% equity.

First home

A timeline from pre-approval to keys, including down-payment help when a program is open.

VA loans

VA Lending Group is the VA division of USA Mortgage Group.

Run the numbers

Estimated monthly

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Enter a down payment to see your payment.

Estimates only, not a loan quote. This is an estimate for illustration only, not a quote, rate lock, or loan approval. Rates and terms depend on your full application.

Turn this estimate into a real pre-approval

Questions

Straight answers

How long does it take to buy?

A financed purchase often closes in about 30 to 45 days after the contract is signed. Pre-approval can start before you tour homes.

Do I need a realtor first?

No. You can get pre-approved first, then choose any realtor. We will coordinate with the agent you hire.

Which loan should I pick?

It depends on down payment, credit, and whether you have VA eligibility. The pre-approval compares FHA, conventional, and VA when more than one fits.

Can gift funds cover the down payment?

Often yes on FHA, and sometimes on conventional, with a gift letter and a paper trail. We’ll tell you what the program allows.

What does pre-approval include?

Income, assets, credit, and the price range. It is stronger than a pre-qualification conversation and is what listing agents expect with an offer.

Are you licensed where I’m buying?

Texas, Florida, Colorado, and California. If the home is in another state, we can’t originate that loan.

Reviewed by Patrick Crawford, NMLS #231625 · Last updated October 28, 2026