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Last updated: July 2026
Best Home Purchase Loans in the US 2026
Buy Your Dream Home With Confidence
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Frequently asked questions
›How much home can I afford?
A common rule: your mortgage payment should not exceed 28% of gross monthly income, and total debt payments should stay under 36%.
›What down payment do I need?
Conventional loans accept 3% down, FHA loans 3.5%, and VA/USDA loans 0% down for qualifying buyers. 20% down avoids PMI.
›How long does pre-approval last?
Most pre-approval letters are valid for 60–90 days. You can renew by submitting updated paystubs.
›What is the difference between pre-qualified and pre-approved?
Pre-qualified is an informal estimate based on self-reported info. Pre-approved involves a credit check and documented income verification — sellers take these seriously.
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The best home purchase lenders of 1970
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