See my rates

Buy a home without the runaround.

See your rate, get pre-approved, and track your loan to closing, all online.

See my rates

No credit check. No phone number.

Illustration of a small house with a large green key lying on the front path

How buying a home works.

Six stages, from your first budget to the keys. Here is what happens in each one, and what to do before you move on.

  1. 01

    Set your budget

    Start from a monthly payment you are comfortable with, including taxes, insurance, and any HOA dues. That payment sets your price range.

    How much can I afford?
  2. 02

    Choose a loan type

    Your down payment, credit, and military service point you to a loan. Conventional, FHA, VA, and first-time buyer programs each set their own minimums.

    Compare down payments
  3. 03

    Get pre-approved

    A lender reviews your income, assets, and credit, then confirms how much you can borrow. Sellers expect that letter with your offer.

    How to get pre-approved
  4. 04

    Shop and make an offer

    Tour homes in your range with your agent. Check the payment on any home you like before you offer on it.

    Monthly payment calculator
  5. 05

    Lock and finish the loan

    Once you are under contract, you lock your rate, the lender orders the appraisal, and underwriting clears the last conditions.

  6. 06

    Close

    You get your Closing Disclosure at least three business days before closing. Compare it to your estimate, sign, and get the keys.

From rate to keys.

  1. 01

    See your rate

    Every purchase program side by side, with points and credits shown. No credit check.

  2. 02

    Structure the loan

    Pick the down payment, term, and points that fit your budget, and see how each choice moves the payment.

  3. 03

    Get pre-approved

    Upload income and assets once. An underwriter verifies them and you get a letter your agent can send.

  4. 04

    Track it to closing

    Lock, appraisal, and underwriting in one dashboard, with every open task and date in view.

You likely need less than 20% down.

The minimum down payment for each purchase loan.

Compare requirements

Calculate the possibilities.

Estimate a payment, see what you can afford, and check whether a refinance pays off. No sign-in, no credit check.

Explore all calculators

Read before you buy.

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Illustration of a small house behind a level balance scale holding a stack of dollar coins in each pan.
Buying

Buy now or wait for rates to fall?

No one knows when rates will fall. Here's how to weigh buying now against waiting, and what a later refinance really costs.

OCT 2026

Start with your budget.

Know your budgetbefore you tour homes.

See what I can affordOr see today’s rates
Licensed in Texas, Florida, Colorado, and Oklahoma.
Equal Housing Opportunity
NMLS 1470572Lendid Loans, LLC · NMLS #1470572

Lendid Direct is a dba of Lendid Loans, LLC · NMLS #1470572 · Equal Housing Opportunity

Lendid Loans, LLC is a licensed mortgage broker in Texas, Florida, Colorado, and Oklahoma. All loans originated through Lendid Direct are brokered by Lendid Loans, LLC. This is not a commitment to lend. Programs, rates, terms, and conditions are subject to change without notice. All loans subject to credit approval. NMLS# 1470572.

All rates shown are for informational purposes only and are subject to change without notice. Actual rates may vary based on creditworthiness, loan amount, loan-to-value ratio, property type, and other factors.

5900 S Lake Forest Dr, Ste 300, McKinney, TX 75070

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE COMPANY OR A LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE, SIGN AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV.

© 2026 Lendid Loans, LLC. All rights reserved.

Rate disclosures

Lendid Loans, LLC is a licensed mortgage broker in Texas, Florida, Colorado, and Oklahoma. All loans originated through Lendid Direct are brokered by Lendid Loans, LLC. This is not a commitment to lend. Programs, rates, terms, and conditions are subject to change without notice. All loans subject to credit approval. NMLS# 1470572.

Each rate card on this site states the scenario it is based on and the time the rate was retrieved. Rates are subject to change without notice and may vary based on creditworthiness, loan amount, loan-to-value ratio, property type, and other factors.

Your actual rate, APR, points, and monthly payment depend on credit, property, occupancy, loan amount, loan-to-value, and program eligibility, and are confirmed only after underwriting.

APR (Annual Percentage Rate) reflects the total cost of borrowing including certain fees and closing costs, expressed as a yearly rate. APR may differ from the interest rate.

Closing timelines vary by file and by third parties including appraisers, title, and insurers. Refinancing may increase the total cost of your loan over its life.

Equal Housing Opportunity. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.