Get pre-approved in minutes with as little as 3.5% down. We'll guide you through every step of buying your first home.
Our smart application adjusts to you and asks fewer questions — so you're done in less than 10 minutes. No confusing paperwork or complicated forms.
Get pre-approved quickly so you can shop with confidence. Know your budget upfront and strengthen your offers in competitive markets.
Your dedicated Loan Officer guides you through every step. We're available early morning or late night to answer questions and keep you informed.
Get true market rates with no markups and zero hidden fees. Our direct lending platform saves you thousands over the life of your loan.
If conventional doesn't work, we have FHA loans with as little as 3.5% down and more flexible credit requirements to help you qualify.
Close in as little as 21 days. Our streamlined process eliminates delays so you can move into your home sooner.
Complete our quick 10-minute application. A dedicated loan specialist will reach out to guide you through the next steps.
Receive your pre-approval letter and know exactly what you can afford. Shop with confidence in competitive markets.
Start house hunting with your pre-approval. We can connect you with trusted real estate agents to help find the perfect property.
We'll work directly with you and your agent to close in as little as 21 days. Then get your keys and move into your new home!
As first time buyers we had so many questions. Our loan officer was patient and explained everything clearly. Closed in 3 weeks which was perfect timing for us. Couldn't be happier with our new Miami home!
I was nervous about buying my first home but Bedrock made it so easy. The online application was simple and my loan officer answered all my questions. Got approved with just 3.5% down on an FHA loan!
Bought my first condo in Tampa and the whole process was fast and professional. They kept me updated every step of the way. Great rates too - better than what my bank offered!
With an FHA loan, you can buy a home with as little as 3.5% down. For example, on a $300,000 home, that's just $10,500. Conventional loans can go as low as 3% down for qualified first-time buyers. Your loan officer will help you determine the best option for your situation.
FHA loans accept credit scores as low as 580 for the 3.5% down payment option. Conventional loans typically require a minimum of 620. Even if your credit isn't perfect, we'll work with you to find the best loan option for your situation.
Yes! Both FHA and conventional loans allow you to use gift funds from family members for your down payment and closing costs. We'll guide you through the proper documentation needed to use gift funds.
Our average closing time is 21 days, but we can often close faster if needed. Once you're pre-approved, the timeline depends on factors like the home inspection, appraisal, and title work. We'll keep you updated throughout the entire process.
Closing costs typically range from 2-5% of the home's purchase price and cover things like appraisal fees, title insurance, and origination fees. The good news? With FHA loans, the seller can contribute up to 6% toward your closing costs. We'll provide a detailed breakdown upfront so there are no surprises.