One lender.
Every path to
your best
home. rate. future. investment.
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.
Conventional
The classic path with the broadest options and lowest cost.
See what you'd pay →| 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.
“Michael was literally always available, which really helped when we were making offers on houses to buy. His attention to detail and knowledge of the various mortgage programs allowed us to have a seamless transaction.”
“Michael was professional and engaged, with excellent communication. He was upbeat and positive in a difficult home-purchasing market.”
“This was no easy loan to get processed, and as frustrating as that was at times, Michael showed cooler heads prevail — and he and his team got it done.”
“Michael was fantastic. Consistently available and able to answer all of my questions.”
“Michael and his team went above and beyond expectations for us — and his genuine concern to help really showed.”
“Michael worked very hard to make sure we were provided with a great loan package, and helped us all the way through closing.”
“Michael was a pleasure to work with — very knowledgeable and very helpful. Would highly recommend.”
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.