Purchase Loans Designed for Your Path to Homeownership
At Michael Pendergist, our Purchase Loans are crafted to guide you confidently into your next home. Whether you’re looking to buy in the heart of Colorado or relocating to Florida, Texas, Arizona, or beyond, we provide tailored mortgage solutions that align with your goals. We work closely with clients across Colorado, Wyoming, Missouri, Kansas, California, and more to ensure that every homebuyer receives personalized support and competitive financing.
Personalized Purchase Loan Options for Every Lifestyle
No two buyers are the same—and neither are their loans. We offer a wide array of Purchase Loan programs including FHA, VA, USDA, Conventional, and Jumbo loans, designed to suit first-time buyers and experienced homeowners alike. Our experts take the time to evaluate your needs, financial position, and long-term goals so you can buy with confidence, clarity, and control—no matter your income or credit history.
Trusted Guidance, Local Expertise
Purchasing a home is a big step, and our local insight can make all the difference. As a Arvada ,Colorado-based mortgage expert serving eight states, we know how to simplify the homebuying process—from pre-approval to closing day. With fast communication, trusted partnerships, and streamlined technology, we provide peace of mind during every step of your journey.
Key Benefits of Using Our Loan Programs
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Tailored Solutions for Every Situation
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Local Expertise with Multi-State Reach
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. Fast, Transparent, and Personalized Process
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Support for All Borrowers—Traditional or Unique
Fast Pre-Approvals, Competitive Rates
With our Purchase Loans, you’ll get pre-approved quickly and backed by competitive interest rates tailored to your financial goals. We focus on quick turnaround times and smooth closings so you can focus on finding the perfect home—not waiting on paperwork or approvals.
Financial Clarity from Day One
Our team breaks down all costs, timelines, and expectations so you’re never caught off guard. From interest rates to down payment options and closing costs, we keep everything transparent. Whether you’re buying in Kansas or California, our loan experts keep you fully informed at every step.
We are known for
Personalized Purchase Loan Strategies
Trusted in 8 States Including Colorado
First-Time Buyer Friendly Options
Fast Pre-Approvals and Clear Communication
"FAQs"
We offer a wide variety of mortgage solutions including Purchase Loans, First-Time Home Buyer Loans, Down Payment Assistance, VA Loans, FHA Loans, DSCR Loans, USDA Loans, Jumbo Loans, Bank Statement Loans, Investor Loans, Renovation Loans, and Fix and Flip Loans. These are available to clients in Arvada, Colorado, and across Wyoming, Arizona, Texas, Florida, Missouri, California, and Kansas.
FHA Loans are great for buyers with lower credit scores and smaller down payments. VA Loans are exclusively for eligible veterans and active-duty service members, offering zero-down financing. USDA Loans provide 100% financing for buyers in eligible rural and suburban areas with moderate income.
Down Payment Assistance programs help cover part or all of your down payment and sometimes closing costs. These are often available through local or state programs in areas like Arvada, Texas, or Missouri and may come as grants or forgivable second loans.
Debt Service Coverage Ratio (DSCR) Loans are for real estate investors. These loans are approved based on the income generated by the property rather than the borrower’s personal income—ideal for those with strong cash-flowing assets in markets like Arizona or California.
Yes. If you’re self-employed and don’t have traditional income documents like W-2s, a Bank Statement Loan uses 12–24 months of personal or business bank statements to determine income. We help many clients in Arvada and across Florida and Texas with this option.
Yes. FHA Loans and some non-QM programs like Bank Statement or Hard Money Loans can accommodate lower credit scores. We assess your full financial picture to find the right loan product.
Simply reach out to our team to start your application. We offer an easy digital process, fast pre-approvals, and personalized support every step of the way—whether you’re buying your first home or scaling your investment portfolio.
First-Time or Forever Home—We’re Here
Whether you’re a first-time homebuyer in Missouri or upgrading to your forever home in Wyoming, our Purchase Loan process is built to accommodate your vision. We don’t just get you a mortgage—we help you build a future.
