Home Purchase Loans
Find the right mortgage for your next home
Whether you’re a first-time buyer, moving up to your next property, or purchasing an investment home, CTC Mortgage offers a wide range of loan programs to fit your needs. Licensed in Florida, Georgia, North Carolina, and South Carolina, we provide purchase loan solutions designed to make your path to homeownership clear and straightforward.
Financing Your Home Purchase
Loan options for every type of homebuyer
Choosing the right mortgage is one of the most important steps when buying a home. At CTC Mortgage, we work with buyers in all situations—from first-time homeowners to seasoned investors—to match them with loan programs that fit their goals and budget. We offer a variety of purchase loan options, competitive rates, and guidance throughout the process so you can feel confident at every stage.
Explore Our Purchase Loan Programs
Find the mortgage that fits your goals
Conventional Loan
Ideal for buyers with strong credit seeking competitive rates and flexible terms.
FHA Loan
Designed for buyers needing a lower down payment (as little as 3.5%) and more flexible credit qualifications.
VA Loan
0% down payment option for eligible veterans, active-duty service members, and certain surviving spouses.
USDA Loan
100% financing for qualified buyers purchasing in designated rural and suburban areas.
Jumbo Loan
Financing for higher-priced properties that exceed conventional loan limits.
Specialty Purchase Programs
Options including Reverse Mortgages for purchases, foreign national loans, and condo financing.
Helping you navigate the path to homeownership
First-Time Buyer Assistance
Buying your first home is exciting, but it can feel overwhelming without the right guidance. We help first-time buyers understand their options, compare down payment requirements, and review any available programs that could lower upfront costs. Our approach focuses on making the process simple and clear so you can focus on finding your new home.
The Pre-Approval Advantage
Getting pre-approved is one of the smartest steps you can take before house hunting. It sets a clear budget, strengthens your offer, and can shorten the time it takes to close. We streamline the pre-approval process so you can start shopping for homes with confidence.
Why Borrowers Choose CTC Mortgage
Every borrower’s situation is unique, which is why we take time to understand your needs and match you with the right loan solution. We aim to keep your application moving smoothly while providing updates along the way. Our goal is to make your home purchase as straightforward and stress-free as possible.
Home Purchase Loan FAQs
Answers to common mortgage questions
What is the difference between a pre-qualification and a pre-approval?
Pre-qualification is an initial review of your finances to give you an idea of how much you might be able to borrow, but it’s not a commitment from the lender. Pre-approval is a more in-depth process where we review your credit, income, and other financial documents to confirm your eligibility and set your maximum loan amount. Having a pre-approval letter can give you an advantage when making an offer on a home, as it shows sellers you are a serious and qualified buyer.
How much do I need for a down payment?
The amount you need for a down payment depends on the loan program you choose. Conventional loans often require between 3% and 20% down, FHA loans require as little as 3.5%, and VA and USDA loans may allow 0% down for eligible borrowers. We can help you review your options and determine which program aligns with your budget and long-term goals.
Can first-time homebuyers qualify for special programs?
Yes, there are many programs available to help first-time buyers, such as reduced down payment loans, state or local down payment assistance, and lower mortgage insurance options. In certain states we serve, programs like Florida’s Hometown Heroes can provide additional benefits for eligible professions. Our team will guide you through these opportunities to help you take advantage of any available assistance.
How long does it take to close on a home purchase loan?
The timeline for closing can vary depending on the loan program, property type, and how quickly you provide required documents. On average, home purchase loans close in 30 to 45 days. We work to keep your process on track so you can move into your new home as planned, and we’ll update you every step of the way.
What documents do I need to apply for a home purchase loan?
You’ll typically need to provide proof of income (such as pay stubs or tax returns), proof of assets (bank statements), identification, and information about your current debts. Depending on your situation, we may request additional documentation to verify your eligibility. Preparing these items early can help your loan move forward smoothly and avoid delays during underwriting.