Buy a Home.
From personalized advice to powerful loan solutions, we make your first home feel closer than ever.
Get Pre-ApprovedTAM Mortgage is a direct lender for all major loan types. Your advisor will recommend the program that saves you the most over the life of the loan — not the one that’s easiest to sell.
3% down
The standard for borrowers with good credit. Conventional loans offer the most competitive rates, flexible terms (15, 20, or 30 years), and no upfront mortgage insurance premium. Put 20% down and you skip PMI entirely.
3.5% down
Backed by the Federal Housing Administration, FHA loans are designed for first-time and credit-challenged buyers. More flexible qualification requirements and lower down payments make homeownership accessible to more families.
0% down
Available to active-duty service members, veterans, and eligible surviving spouses. VA loans offer the most favorable terms in the market — zero down payment, no monthly mortgage insurance, and competitive rates backed by the U.S. Department of Veterans Affairs.
10% down
For properties above the conforming loan limit ($766,550 in most areas). TAM Mortgage offers jumbo loans up to $3 million with competitive pricing, interest-only payment options, and concierge-level underwriting for complex financial profiles.
Here’s exactly what happens from the moment you apply to the moment you unlock the front door.
Day 1 · About 15 minutes
Complete our secure online application and get a pre-approval letter — often within minutes. We use a soft credit pull that does not affect your score. Your letter is backed by real underwriting and accepted by listing agents nationwide.
Weeks 1–8 (varies)
Search with confidence. We pair you with vetted local agents through our partner network and your loan advisor reviews every offer before you submit — so you never overbid or waive protections unnecessarily.
Days 1–7 after your offer is accepted
The day you go under contract, we lock your interest rate. Our underwriting team begins reviewing your documents in parallel — not sequentially — to catch issues early and keep the timeline on track.
Days 7–18
We order the appraisal and coordinate with the title company. You'll see daily status updates in your dashboard and your advisor proactively flags anything that needs attention.
Day 21 (average)
We send your Closing Disclosure 5 business days early so you can review every line. The signing is mostly digital. Your advisor walks you through every page — and then you get the keys.
Have these handy and your pre-approval will fly. Phone photos are perfectly fine — no scanner needed. Your advisor will tell you exactly which documents apply to your situation.
Don’t have everything yet?
Start the application anyway. We’ll tell you exactly what’s needed — and what’s optional — based on the program you qualify for.
Driver's license, passport, or state ID
Most recent, showing year-to-date earnings
All employers / income sources
All pages — even blank ones
Most recent quarterly statement
Required when using gift funds for down payment
Everything you need to know before getting started. Can’t find what you’re looking for? Get in touch
It depends on the loan program. VA loans require zero down. Conventional loans for first-time buyers start at 3%. FHA loans require 3.5%. Jumbo loans typically need 10-20%. TAM Mortgage also helps connect you with state and local down payment assistance programs that can further reduce your out-of-pocket costs.
No. TAM Mortgage uses a soft credit pull for pre-approval, which does not impact your credit score. A hard pull only occurs when you formally submit a full mortgage application after you've found a property and are ready to proceed.
Our average purchase close time is 21 days from contract to keys — roughly half the national average of 43-47 days. We've closed in as few as 12 days when a competitive offer required it. Speed comes from digital document collection, parallel underwriting workflows, and proactive appraisal scheduling.
We have multiple programs for self-employed borrowers: standard 2-year tax return analysis, 12-month bank statement programs for business owners with strong cash flow, and asset depletion programs for retirees. Your loan advisor will match you to the program that qualifies you most favorably.
Yes. We offer bridge financing solutions and can structure your purchase with contingency clauses. Your advisor will walk you through the timing and financial mechanics so you don't end up carrying two mortgages longer than necessary.
To start: just your name, income estimate, and permission for a soft credit pull. For full underwriting: two recent pay stubs, last two years of W-2s or 1099s, two months of bank statements, and a government-issued photo ID. Self-employed borrowers may need 12-24 months of bank statements instead of tax returns.
Run our calculator to estimate your monthly payment, or start a pre-approval application — it takes about 15 minutes and there’s no impact to your credit score.
