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The Home Buying Process

How much house can you afford? It's an important question to answer before you hire a real estate agent and start house hunting. With so many factors to consider — the down payment, interest rates, property taxes, and your monthly expenses, to name just a few — answering the seemingly simple question “How much home can I afford?” is trickier than you might think.



Apply for your mortgage with Pilgrims Mortgage. Know your buying power, and monthly payment options, and show sellers that you’re serious with a pre-approval letter.

Start house hunting! An agent knows your market and works with you to find your dream home on your budget. When you find your perfect home, present the seller with a purchase contract with all the details.


Once an offer’s accepted, the home needs to be appraised. Next, underwriters check over the financials before clearing you to close. Then it’s time to sign and move in.





I'm thinking about buying
I'm thinking about buying
Touring open houses
Touring open houses
Making offers on a property
Making offers on a property
I've singed a purchase contract
I've singed a purchase contract

Get Approved with Flexible Credit Solutions?

We are happy to guide you through the many options available for your home financing.

Real Estate

Get a Mortgage that Fits Your Unique Situation


self-employed borrowers have access to several non-traditional loan options.

First time buyer

For first-time home buyers, navigating the myriad of mortgage options

Flexible docs

Non qualified mortgage offer more flexible underwriting guidelines.


Mortgage options ranging from DSCR to Jumbo loans up to 10M.

main principles


Conventional Mortgage

A conventional mortgage is a home loan that isn’t backed by a government agency, such as the FHA or VA. Conventional mortgages often meet the down payment and income requirements set by Fannie Mae Read More


FHA home loans are mortgage loans that are insured against default by the Federal Housing Administration (FHA).  FHA loans are available for single-family and multifamily homes. Read More

VA Home Loans

The VA home Loan provides veterans with a federally guaranteed home loan that requires no down payment. This program was designed to provide housing and assistance for veterans and their families. Read More

Non-QM home loan

In order to better understand a Non-QM, it is helpful to be familiar with the criteria of a qualified mortgage. A qualified mortgage (QM-loan) Read more