Home Purchase Loans
Find the Perfect Loan for Your Dream Home
Whether you're a first-time buyer or upgrading to your forever home, Martin Mortgage Group will guide you through every step with personalized service and the attention you deserve.
Dedicated to You
You get a personal mortgage expert who genuinely cares about getting this right for you.
Fast Pre-Approval
Get your pre-approval letter in as little as 24 hours so you can make offers with confidence.
Expert Guidance
Our experienced team walks you through every step, from application to closing day.
All Loan Types
Conventional, FHA, VA, USDA, jumbo — we match you with the right program.
Start Your Home Purchase
Answer a few quick questions to get pre-qualified.
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Your information is secure and will only be used to help you with your mortgage needs.
How It Works
Your Path to Homeownership
01
Get Pre-Qualified
Share your info and goals. We’ll run the numbers and show you what you qualify for.
02
Find Your Home
Shop with confidence knowing your budget. We work with top Raleigh-area agents.
03
Lock Your Rate
We’ll secure the best available rate and finalize your loan terms.
04
Close & Move In
We handle the paperwork. Average close time: 21 days. Welcome home!
Home Purchase FAQ
Common questions about buying a home in Raleigh, NC
The amount you can afford depends on your income, debts, down payment, and the current interest rate. As a general rule, your monthly mortgage payment should be no more than 28-31% of your gross monthly income. Our team can run detailed numbers for your specific situation and help you understand exactly what you can comfortably afford.
Pre-qualification is an initial estimate based on information you provide, while pre-approval involves a thorough review of your credit, income, and assets. Pre-approval carries more weight with sellers. At Martin Mortgage Group, we offer both and can get you a pre-approval letter quickly to strengthen your offers.
Down payment requirements vary by loan type. Conventional loans may require as little as 3% down, FHA loans require 3.5%, VA and USDA loans offer 0% down options, and North Carolina has down payment assistance programs that can help cover your upfront costs.
Typically you’ll need recent pay stubs (30 days), W-2s or tax returns (2 years), bank statements (2 months), a valid ID, and information about any debts. Self-employed borrowers may need additional documentation. We’ll provide you with a complete checklist tailored to your situation.
Yes! FHA loans accept credit scores as low as 580, and some programs allow even lower scores with a larger down payment. We specialize in finding solutions for buyers with various credit profiles and can also advise you on steps to improve your score before applying.