Keller Williams WNY | Medina, NY
Financing & Pre-Approval

Get Pre-Approved for Your Mortgage

Understanding your financing options is the first step to buying a home. We'll connect you with trusted lenders who offer competitive rates.

Why Get Pre-Approved?

Pre-approval strengthens your offer and shows sellers you're a serious buyer.

Know Your Budget
Understand exactly how much home you can afford before you start shopping.
Stronger Offers
Sellers take pre-approved buyers more seriously in competitive markets.
Lock in Rates
Secure your interest rate and protect against market fluctuations.
Faster Closing
Pre-approval streamlines the process when you find your home.

Types of Home Loans

There are several mortgage options available. Here's a quick overview.

Conventional Loans

Traditional mortgages with competitive rates for borrowers with good credit. Typically requires 5-20% down payment.

Fixed or adjustable rates
PMI required under 20% down
Flexible terms (15, 20, 30 years)

FHA Loans

Government-backed loans with lower down payment requirements, ideal for first-time buyers.

As low as 3.5% down
Lower credit score requirements
Mortgage insurance required

VA Loans

Zero down payment loans for eligible veterans, active-duty military, and surviving spouses.

No down payment required
No PMI required
Competitive interest rates

USDA Loans

Zero down payment loans for rural and suburban homebuyers who meet income requirements.

No down payment required
Lower mortgage insurance
Income limits apply

Jumbo Loans

For loan amounts exceeding conventional loan limits in higher-priced markets.

Higher loan amounts
Stricter requirements
Competitive rates available

First-Time Buyer Programs

Special programs offering down payment assistance, grants, or reduced rates for first-time buyers.

Down payment assistance
Closing cost help
Income requirements vary

Questions About Financing?

We're happy to answer your questions and connect you with the right resources.

Ready to Make Your Move?

Whether you're buying your first home, selling a property, or investing in real estate,
we're here to guide you every step of the way.