Is a Reverse Mortgage Right for You?

Is a Reverse Mortgage Right for You?

Get a FREE quote on a Reverse Mortgage & find out how much you qualify for.

I Want My Free Reverse Mortgage Quote

Congratulations! You're ready to buy a home

Congratulations! You're Ready To Buy a Home

Mortgage Home Purchase Loans without the Hassle!

Need financing options on a home, or other real estate? Choosing a purchase loan product that matches your goals and making sure you get the best rate for your given scenario can feel like playing whack-a-mole.

We're here to make the home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with a FREE pre−approval letter request.

We'll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you're a first-time home buyer or a seasoned investor.

The Home Purchase Loan Process

Here's how our home loan process works:

  • Complete our simple pre−approval letter request
  • Receive options based on your unique criteria and scenario
  • Compare mortgage interest rates and terms
  • Choose the offer that best fits your needs

Do I Qualify?

To qualify for a mortgage, lenders typically require that you have a debt-to-income ratio of "28/36." This means that no more than 28% of your total monthly income (from all sources, before taxes) can go toward housing, and no more than 36% of your monthly income can go toward your total monthly debt (including your mortgage payment).

Qualify Me Now
Do I Qualify?

Your Home Loan Could Be Fully Funded 30 Days From Now

  • Fixed-Rate Mortgage

    Fixed-Rate
    Mortgage

  • Adjustable Rates (ARM)

    Adjustable Rates
    (ARM)

  • Conforming Loans

    Conforming
    Loans

  • Jumbo & Super Jumbo Loans

    Jumbo & Super
    Jumbo Loans

  • FHA, VA, & USDA Loans

    FHA, VA, &
    USDA Loans

  • Terms from 5 to 30 Years

    Terms from
    5 to 30 Years

Get Your Pre-Approval Letter Now!

Mortgage rates change every day, and your rate will vary based on your location, finances, and other factors. Get your FREE customized rate comparison below:

Home Purchase Qualifier
EXCELLENT Based on 32 reviews.
Sarah Williamsen
Sarah Williamsen
2022-08-20
Wave Lending was absolutely a dream to work with! They made every part of the process seamless, and cheered us on throughout our entire buying and selling process. We truly felt like we were a part of their family by the end! We will use them for all future home purchases!
Alexander Simpson
Alexander Simpson
2022-08-04
Worked with them to close on a house and they made the whole process super easy. Their team was responsive and quick to get documents turned around. Really appreciate all the help they gave!
Joshua Brandon
Joshua Brandon
2022-08-04
Jacob Davis
Jacob Davis
2022-07-21
Incredibly informative, responsive, and friendly. I will be recommending them to anyone I know looking for a home.
alfred montez
alfred montez
2022-07-13
Wave Lending helped us with our loan and processing needs. They were professional, courteous, and timely. Communication was also great as we were able to get in touch whenever we needed. Highly recommend.
Dillan Pruitt
Dillan Pruitt
2022-06-24
Brandon Pye
Brandon Pye
2022-06-17
Joel and the team at Wave Lending made our house buying experience smooth and easy. The communication as a whole was great and prompt. Everyone was friendly and courteous. We would definitely use them again.
Gesica Meynier
Gesica Meynier
2022-06-17
If I could give more stars I certainly would. Wave lending had been a life saver for my family and I. They are extremely polite and positive. They helped us every step of the way. Joel, Jessica, Tara, and Kara were fantastic and were always available when I needed them. All in all I will be recommending to everyone I know who is thinking about purchasing a home. Thank you again! Wave Lending you are all ROCKSTARS!
Tifanie Cook
Tifanie Cook
2022-06-16
Just WOW! Amazing people who provide outstanding service and keep you informed throughout the whole process. We are so blessed to have worked with this group!
Mitch McCann
Mitch McCann
2022-06-14
Wave Lending was absolutely fantastic to work with. I’d been working with a number of other lenders from online searches prior to getting a recommendation for wave. It was a night and day experience! The Wave team worked till nearly midnight to get me an offer letter, then the initial rates they offered were in a fare better class than any other lender. Once I was under contact the speed of service continued and was enhanced by a clear set of expectations of the way ahead and information I’d need to provide. I was never in question of where I was in the process, what they were working on, or what I was doing. I would fully recommend working with this team to anyone looking for a lender in this area! 10/10 will work with again.