Home Purchase

Find the home that becomes your family's foundation.

Whether it's your first house or your next one, Alliance matches you with the right loan program and a dedicated loan officer to get you there.

Every payment builds toward more than a home.

Beyond a place to live, a home is a growing financial asset — one that builds value, security, and options a rented home never can.

Your home works for you. Homes have historically appreciated year over year, so the property you buy today turns a monthly payment into a stake in a growing asset.
What your equity can become. Equity is the share of your home you actually own — it grows as you pay down the loan and as the home appreciates, and it can later fund a renovation or a rental down payment.
The numbers back it up. According to the Federal Reserve's Survey of Consumer Finances, the median homeowner holds a net worth of $396,500 — nearly 38 times the $10,410 median for renters.

The front of a two-storey house with grey siding, a covered porch and a navy front door, in late afternoon light

Your path from first look to closing day.

Buying a home comes with a lot of moving pieces — we handle the financial ones, so you can stay focused on the part that actually matters: finding the place your family calls home.

The navy front door of a home standing open, a lockbox on the handle and afternoon sun falling across the porch into the entry

Start with a guided quote. Tell us about the property, your timeline, and your finances — no application, just enough to see what you likely qualify for.
Get matched with a loan officer. One person, not a call center — someone who owns your file from this point through closing day.
Get pre-qualified. Your loan officer walks you through your real options — Conventional, FHA, VA, USDA, or Construction — and helps you understand exactly what you can afford.
Find your home, make an offer. With a pre-qualification letter in hand, you can shop with confidence and move quickly when you find the right place.
Finalize your documentation. Your loan officer coordinates the paperwork — income verification, appraisal, underwriting — and keeps things moving so nothing stalls your closing date.
Close and get your keys. The financial part is done, and what's left is yours to build — the first holiday hosted there, the room that becomes your kid's for a decade.

Two brass house keys on a ring resting on a stack of signed closing paperwork, a pen and a small wooden model house beside them

Start your guided quote

Common questions about buying a home

Straight answers to the questions we hear most before someone starts their quote.

What documents do I need for my application?

Property documents (signed sales contract, deposit verification), income documents (pay stubs, W-2s, employer info), source-of-funds documentation, and a list of current debts — plus additional tax documentation if you are self-employed or paid on commission, bonus, or rental income.

What credit score do I actually need to buy a home?

Less than you might think — and at Alliance Lending Services, that's the whole point of Mortgages Simplified. Conventional loans start around 620, FHA opens the door at 580 with 3.5% down, and millions of buyers close every year in that range. A loan officer looks at your whole picture — not just a number — and finds the program built for it, because at Alliance, you get a person, not a portal.

What's a good debt-to-income ratio?

Under 36% is considered strong, and many lenders will go up to 43–50% when other factors — a larger down payment, or savings reserves — help offset the risk.

How much should I have saved before I start house hunting?

Less than you'd think — some buyers qualify for zero down through VA or USDA, others start around 3–3.5%. A loan officer finds the path that fits your situation, because that's what Mortgages Simplified means at Alliance.

Read the full FAQ →