Buy a home

Your journey to homeownership starts here

Get pre-approved in minutes, shop with confidence, and close fast. We make buying a home incredibly simple.

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start buying a new house journey with wonder rates
Fast Closing

""Wonder Rates helped us close in just 14 days, beating all other offers!""

How it works

The simplest path to your keys

1

Get Pre-approved

Know exactly what you can afford in minutes.

2

Shop with Confidence

Make strong offers backed by our verified approvals.

3

Close Fast

Our tech-driven process gets you to the finish line quickly.

Every buyer

Resources for every buyer

First-Time Buyers
Guide

First-Time Buyers

Everything you need to know about preparing, searching, and securing your first home.

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Affordability Calc
Guide

Affordability Calc

Find out exactly how much house you can afford based on your unique financial profile.

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Down Payment Programs
Guide

Down Payment Programs

Explore thousands of grants and assistance programs that can lower your upfront costs.

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Scenario builder

Tell us about your home.

One sentence. Real rates. No credit impact.

Soft check only
I’m buying a home for $, putting % down. My credit score is .
See my rate

Free · No credit impact · 60 seconds

Loan programs

Loans designed for you

Low down payment

FHA Loans

Perfect for first-time buyers. Flexible credit requirements and down payments as low as 3.5%.

Most popular

Conventional

Great rates and flexible terms for buyers with strong credit and down payments from 3% to 20%.

For veterans

VA Loans

Zero down payment and no private mortgage insurance (PMI) required for eligible veterans and active duty.