Pre-approval that means something
Get a clear picture of what you can afford before you shop. Sellers and agents take pre-approvals from established brokerages seriously.
Purchase your next home with confidence.
From pre-approval to closing, we help homebuyers secure financing that fits their goals. Competitive rates, clear communication, and expertise in conventional, FHA, and VA purchase loans.
How we support purchase borrowers
We work with first-time and repeat buyers to find loan programs and rates that align with your budget and timeline. Our process is straightforward and built around your needs.
Multiple loan options
Conventional, FHA, VA—we help you compare programs and choose the one that makes sense for your down payment, credit, and goals.
Guidance to closing
We keep you informed at each step and coordinate with your real estate agent and title company so the path to closing stays smooth.
First-time home buyers
Buying your first home? Clarke Capital has programs and incentives designed for you. From low down payment options to a cash rebate at closing, we make the path to homeownership more accessible.
Home Ready program
Our Home Ready program is built for first-time home buyers. Qualify with as little as 3% down payment—so you can get into your first home without waiting years to save a large down payment.
$1,500 cash rebate
Clarke Capital provides a $1,500 cash rebate to qualified first-time home buyers at closing. Use it toward closing costs, moving expenses, or anything that helps your transition to homeownership.
First-time buyer guidance
We walk you through pre-approval, loan options, and closing so you know what to expect. First-time buyers often have questions—we're here to answer them.
Popular purchase programs
Depending on your eligibility and situation, we may recommend one or more of these options. All loans are subject to credit approval and program guidelines.
FHA loans
Qualify with a FICO as low as 550 and only 3.5% down. Well-suited for many first-time homebuyers.
VA loans
0% down payment and no PMI for eligible veterans and active military. Competitive rates and favorable terms.
Conventional & Home Ready
Fixed or adjustable rates. Home Ready offers 3% down for qualified first-time buyers. We'll help you find the right fit.
Ready to buy?
Contact us to discuss your purchase or begin an application. We'll help you get pre-approved and find the right loan.
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