Most Popular
Conventional Purchase
As low as 3% down for qualifying buyers. Competitive rates with no upfront mortgage insurance premium.
- 3–20% down payment
- Fixed & adjustable rates
- Loan limits up to conforming cap
Best Rated Local Lender
Buy Your Home.
Your Rate.
Your Way.
Purchase a home in Virginia, Georgia, Florida, Colorado, Texas, or California with expert local guidance and a transparent rate quote in minutes.
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Purchase Loan Programs
The Right Loan for Every Buyer
Whether you're a first-time buyer, a veteran, or purchasing a high-value property, we have a purchase program tailored to your situation — available in Virginia, Georgia, Florida, Colorado, Texas, and California.
Low Down Payment
FHA Purchase Loan
Government-backed financing with flexible credit requirements — great for first-time buyers.
- 3.5% down with 580+ credit score
- Down payment gift funds allowed
- Available in all 6 states
Best for Veterans
VA Purchase Loan
$0 down purchase financing exclusively for veterans, active-duty service members, and eligible surviving spouses.
- Zero down payment
- No private mortgage insurance
- Competitive VA rates
High-Value Homes
Jumbo Purchase Loan
Finance properties above conforming loan limits in high-cost markets like California, Colorado, and Virginia.
- Above conforming limits
- Primary & second homes
- Strong credit & reserves required
Rural Areas
USDA Purchase Loan
Zero-down financing for eligible rural and suburban properties in qualifying areas of Georgia, Texas, Florida, and Virginia.
- 100% financing available
- Lower mortgage insurance
- Income limits apply
How It Works
From Application to Keys in 5 Steps
Our streamlined process gets you from pre-qualification to closing quickly and smoothly — whether you're buying in Richmond, Atlanta, Miami, Denver, Austin, or San Diego.
01
Get Pre-Qualified
Tell us about your purchase goals. A live loan officer will review your situation and pre-qualify you — no hard credit pull required to start.
02
Shop with Confidence
Armed with your pre-qualification letter, make competitive offers knowing exactly what you can afford in your target market.
03
Full Application
Lock your rate and submit your full application. We handle the paperwork and keep communication clear and simple.
04
Underwriting & Approval
Our team works fast to get your loan approved. We proactively communicate every milestone so you are never left guessing.
05
Close & Move In
Sign your final docs, get your keys, and move into your new home. We celebrate every closing — it is what we do.
39/39
PERFECT PURCHASE REVIEWS
100% Five-Star Satisfaction Rate
CColleen H. · California
Working with Freedomstar Financial was easy! They made the process painless while getting us a great rate with amazing terms. We felt like they had our best interests in mind at all times.
Posted on Google
MMichael R. · California
Ivan made the home purchase process seamless and always responded to any questions right away no matter the time or day. We will definitely use them on our next home purchase.
Posted on Google
AAlan C. · Virginia
Ivan and his team did a great job of handling all aspects of our home purchase and any concerns or questions I had. I highly recommend Freedomstar Financial to anyone buying a home.
Posted on Google
RRoger B. · Texas
Using Freedomstar was fast and easy. My loan officer was on top of every move and made the entire home buying experience great. Keep up the good work.
Posted on Google
SSean E. · Florida
Freedomstar Financial were great and responsive from the first call all the way to closing. We felt supported through the entire purchase process.
Posted on Google
KKerrie B. · Colorado
I cannot say enough about how smooth our home purchase was with Freedomstar. They handled everything professionally and got us to closing on time.
Posted on Google
FAQ
Home Purchase Questions Answered
Common questions from buyers in Virginia, Georgia, Florida, Colorado, Texas, and California. Not seeing yours? Call us at (888) 659-0033.
Home Purchase Loans in Virginia, Georgia, Florida, Colorado, Texas & California
Freedomstar Financial is one of the best-rated local mortgage lenders serving homebuyers across six states: Virginia, Georgia, Florida, Colorado, Texas, and California. Whether you are a first-time buyer searching for your starter home in Richmond or a move-up buyer eyeing a new build in Austin, our licensed loan officers are standing by to guide you through every step of the home purchase process.
We specialize in conventional purchase loans, FHA purchase loans, VA purchase loans, USDA loans, and jumbo purchase mortgages. Our no-haggle rate philosophy means you receive our best rate upfront — no negotiating, no guessing, no surprises at closing.
Buying a Home in Virginia
Virginia is home to one of the largest active-duty military and veteran populations in the country. We originate VA purchase loans throughout Virginia — including Virginia Beach, Norfolk, Chesapeake, Hampton Roads, Arlington, Alexandria, and Richmond — with $0 down payment and no private mortgage insurance. Conventional and FHA purchase options are also available for civilian buyers across the state.
Buying a Home in Georgia
Georgia's real estate market continues to attract buyers with its relatively affordable home prices and strong job growth — especially in the Atlanta metro. Freedomstar Financial offers home purchase loans across Georgia including Atlanta, Savannah, Augusta, Columbus, Athens, Alpharetta, Marietta, and Roswell. First-time buyers can take advantage of FHA programs while qualifying veterans can use VA financing statewide.
Buying a Home in Florida
Florida remains one of the most active home purchase markets in the United States. From Miami and Fort Lauderdale on the Atlantic coast to Tampa, Naples, and Sarasota on the Gulf, our loan officers have hands-on experience navigating Florida's unique insurance requirements and market conditions. We offer conventional, FHA, VA, and jumbo purchase loans to Florida buyers at every price point.
Buying a Home in Colorado
Colorado home values are among the highest in the Mountain West. Many buyers in Denver, Boulder, Colorado Springs, Fort Collins, and the Denver suburbs find themselves shopping in jumbo loan territory. Freedomstar Financial offers both conforming and jumbo purchase loans in Colorado with competitive rates and fast closings. Our loan officers understand Colorado's unique market dynamics including mountain property considerations and HOA-heavy communities.
Buying a Home in Texas
Texas continues to be one of the fastest-growing home purchase markets in the nation. Houston, Dallas, Fort Worth, Austin, San Antonio, and Plano all see significant buyer demand. With no state income tax and strong employment growth, Texas offers buyers excellent value. Freedomstar Financial originates conventional, FHA, and VA purchase loans throughout Texas, including rural areas eligible for USDA financing.
Buying a Home in California
California's high home prices require a lender experienced in both conforming and jumbo purchase loan programs. We serve buyers across San Diego, Los Angeles, Orange County, San Jose, San Francisco, and Sacramento. California also has a large veteran population, and our VA purchase specialists have helped hundreds of California veterans purchase homes with zero down payment. We offer conventional, FHA, VA, and jumbo purchase loans statewide.
Why Choose Freedomstar Financial for Your Home Purchase?
With a perfect 39/39 five-star review record and a no-haggle rate philosophy, Freedomstar Financial sets the standard for home purchase lending. Our experienced loan officers — including VA-specialist Ivan Hendren — provide personalized service, rapid pre-approvals, and on-time closings. We are not a big-bank call center. We are local lending professionals who answer the phone, know your file, and close on time.
Ready to buy a home in Virginia, Georgia, Florida, Colorado, Texas, or California? Use our AI-powered rate quote tool above or call us at (888) 659-0033 to speak with a live loan officer today.