This is the part of the site with nothing to sell you. Calculators you can run without handing over an email address, plain-English answers to the questions people are quietly embarrassed to ask, and two recorded sessions from the people who lead this team. Read as much or as little as you like.
Most people arrive here with one of three situations behind them. Pick the one that sounds like yours and we will take it from the beginning.
You are allowed to not know any of this yet. Start with what a deposit really needs to be, what underwriting is actually looking at, and what the whole thing costs before the closing table.
Start from the beginning “I am using a VA benefit.”Entitlement, restoration, the funding fee and who is exempt from it. Four decades of dedicated VA lending sits behind this page, and it covers the parts most lenders skip.
Understand the benefit “I was told no somewhere else.”A no from one lender is one lender's answer, not the answer. Send us the situation and a person will read it properly — and if it does not work today, you get a written plan for the version that does.
Ask for a second lookThey run in your browser and nothing is sent anywhere. Use them to get your own number before you speak to anybody — including us. When you do want a real figure, a loan officer will work through it properly with your actual income and credit.
Principal, interest, taxes and insurance on a full amortisation schedule — with a separate mode for each programme, because the maths genuinely differs between them.
Works backwards from your income, debts and deposit to a price range. The honest version of the question, rather than the largest number a lender would approve.
How many months of the lower payment it takes to repay the cost of getting it. If you are likely to move before that month, refinancing is usually the wrong call.
What an extra amount each month does to the term and the total interest. The earlier in the schedule you do it, the more it is worth — this shows you by how much.
Compares renting against owning over the years you expect to stay, allowing for appreciation, equity built and the costs of ownership that rent quietly covers for you.
The fee tier for your situation — first use or subsequent, and how much you are putting down — plus whether you are exempt from it altogether.
Lending has a vocabulary problem, and it is not an accident. Nobody should have to nod along in a meeting about the biggest purchase of their life. Here are four of the terms in the glossary, written exactly as they appear there.
Recorded by Leslie Bergen and Dwayne Graham. Both are free and available on demand — there is no live date to make, no application to complete, and nothing that turns into a phone call you did not ask for.
The whole path from the first conversation to the keys, in order. What lenders look at, what a deposit really needs to be, where the costs sit, and the points in the process where first-time buyers most often get caught out.
How to weigh up a lender before you commit to one, from two people who have spent sixty years between them on the inside of this industry. Including the questions worth asking us.
A set of written guides is in progress — the VA benefit end to end, the first-time buyer path, self-employed income, and the rest of the situations we get asked about most. They are not ready, so we are not going to put a download button here and collect your email for something that does not exist yet.
In the meantime, the answer to almost any of it is one message away, and asking costs nothing.
Nothing on this page is a lead magnet, and a conversation is not a commitment. Tell us where you are — buying next month or working out what ready looks like — and you will get a straight answer from a person. If the answer is not yet, we will tell you exactly what would change it.