One lender.
Every path to
your besthome.rate.future.move.deal.terms.offer.option.
From first-time buyers to seasoned investors, we shop FHA, VA, conventional, jumbo, and non-QM loans across a full lender network — so you get the right loan, clearly explained, and an on-time close.
your scenario
Every product for residential financing.
| Product | Min. down | Loan up to | Best for |
|---|---|---|---|
| Jumbo Most chosen | 10% | $30M | Luxury purchases |
| Conventional Flexible | 3% | $806K | Move-up buyers |
| Non-QM Self-employed | 15% | $10M | Entrepreneurs |
| FHA · VA Lowest down | 0–3.5% | $1.2M | First purchase |
Figures are illustrative and confirmed at application. Subject to credit approval.
See what you'd pay — in seconds.
Drag to model your purchase. We refine the exact rate once we shop your file across our lender network.
For illustration only. Excludes taxes, insurance & HOA. Subject to credit approval.
Four steps. About eighteen days.
Tell us the home
Two minutes online. No credit pull, no sales call — just your goals.
We shop your loan
Your file goes to our full lender network at once. The best terms rise to the top.
Lock with confidence
Compare real offers side by side with a dedicated advisor, then lock your rate.
From application to keys
Underwriting in days. We clear conditions fast and close on your timeline.
Real reviews from real closings.
“Alfonso is really your best bet when you’re a first time buyer or your refinancing! He helped us out when others made it difficult to close. He will truly make it happen ! 100% recommend”
“Sun is absolutely amazing! She listens thoroughly and finds the best options for you! A breath of fresh air! I highly recommend her!”
“Amazing team of professionals! The process was simple, the team responded immediately and were so helpful! Highly Highly recommend using them for your next purchase! Thank you everyone!”
“Very straightforward and great communication when there was any confusion!”
“Alfonso was outstanding! This is our second time with him and was always a pleasure. It was a very smooth process, Alfonso stayed on top with the paperwork and ALWAYS kept us in the loop .. I trust him completely! Will always use him ! If your ever looking for a great Broker Alfonso Guzman is your man!”
“Helps us refinance our home and pay down some bills. Michail was very commutive and we got the lowest rate possible. We closed really fast, whit in a couple weeks.”
“I love the service provided by Micheal Kerby with Ignite loan partners. His assistant Jodi was the best when it comes to communications. Great costumer service and they respond promptly to your queries.”
“I purchased my house with Alfonso and just recently refinanced with him. Closing was seamless and he was able to reduce our interest rate by 0.75%. Highly recommend!”
“Gentleman was Mr Johnathan very nice young man and patient. We had to wait several minutes to hear back from another bank. This was very time consuming and tested both of our patients. Thanks for helping me thru that long process. G Tujague”
“It’s was a great experience a big thanks to each and everyone that helped me out with this process, thank you all .”
Answers before you ask.
How much do I need for a down payment?
It depends on the loan. VA and USDA can go as low as $0 down, FHA starts at 3.5%, and conventional loans can start at 3%. Jumbo and investment loans typically require more. We'll match you to the program that fits your situation and goals.
Can I get a mortgage if I'm self-employed?
Yes. Beyond conventional loans, we offer bank-statement and non-QM programs designed for self-employed borrowers, business owners, and investors — qualifying on bank statements, assets, or rental income instead of traditional W-2s.
What credit score do I need?
There's no single cutoff. We work with a wide range of credit profiles — from first-time buyers building credit to seasoned borrowers — and shop your file across our lender network to find the best available terms for your score.
How long does it take to close?
Our average is about 18 days. Because we shop your loan across a full lender network and communicate at every step, we're able to move quickly and close on your timeline.
What states do you lend in?
Ignite Loan Partners is licensed in 22 states, including Arizona, California, Texas, Florida, and Washington. See our 'Where we lend' page for the full list and state-specific information.
Does it cost anything to get started or get a quote?
No. Getting pre-qualified and requesting a quote is free, with no obligation and no impact to your credit to start the conversation.
Let's ignite your best rate.
A two-minute application puts your file in front of our whole network. No credit impact to start.