Purchase a Home
WHAT WE DO
Ready to Purchase Your First Home or Next Home?
Choosing a purchase loan with favorable rates that matches your goals doesn’t have to be stressful. We’re here to make the home loan process easier, with tools and expert knowledge that will guide you along the way, starting with a pre-approval letter.
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The Home Purchase Loan Process
1
Complete our simple mortgage pre-approval letter request.
2
Receive custom options based on your unique situation.
3
Compare mortgage interest rates and terms.
4
Choose the offer that best fits your needs.
Finding the Right Purchase Loan for You
Whether you’re a first-time homebuyer or a repeat buyer, we’ll help you compare different loan options to find the one that works best for you.
Jumbo & Super Jumbo Loans
• Higher loan amounts
• Higher down payments
• Stricter credit requirements
• Higher down payments
• Stricter credit requirements
FHA Loans
• 3.5% down payment required
• Popular for first-time homebuyers
• For low to moderate-income homebuyers
• Popular for first-time homebuyers
• For low to moderate-income homebuyers
VA Loans
• For active duty, reservists, and military veterans
• 0% down payment
• Lower closing costs
• Easier credit requirements
• 0% down payment
• Lower closing costs
• Easier credit requirements
USDA Loans
• USDA Loans
• 0% down payment
• Lower credit score requirements
• Requires an appraisal
• For rural areas
• 0% down payment
• Lower credit score requirements
• Requires an appraisal
• For rural areas
Adjustable-Rates Mortgage (ARM)
• Lower initial down payment
• Variable interest rate
• Better for short-term loans
• Variable interest rate
• Better for short-term loans
Terms from 5 to 30 Years
• Flexibility
• Easier to qualify
• Predictable payments
• Fixed interest rate
• Easier to qualify
• Predictable payments
• Fixed interest rate
From the Blog
The Truth About Mortgage Points: Should You Buy Them or Skip Them?
Learn how mortgage points work, when buying points makes sense, and how to calculate your break-even point before purchasing a home.
Read MoreDSCR Loans Explained: How They Work, Who They’re For, and What Real Estate Investors Should Expect
Looking for a DSCR loan lender? Finance rental properties using cash flow instead of personal income. Purchases, cash-out refis & short-term rentals.
Read MorePress Releases | Loans | News | Real Estate
Recognized as a Top United Wholesale Mortgage (UWM) Partner with Multiple Industry Awards
CPF Mortgage has been recognized by United Wholesale Mortgage (UWM) with multiple prestigious industry awards in 2025, honoring exceptional loan production, operational efficiency, and consistent performance as a top UWM broker partner nationwide.
Read MoreWe're Here to Help
Do I Qualify?
To determine if you qualify, lenders review your total monthly debt (proposed housing payment + regular monthly debt) as a percentage of your total gross monthly income. The acceptable percentage (DTI) will vary depending upon the specific loan program for which you apply. Talk with one of our experts to discuss the best loan for you.
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