Blog - Bluprint Home Loans

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BluPrint News

Can You Buy a Home If You Don’t Have a Big Down Payment?

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BluPrint News

FHA vs. Conventional Loan: Which Is Better for First-Time Homebuyers?

BluPrint News

4 Creative Strategies to Make Homeownership More Affordable in 2026

BluPrint News

Can You Get a Mortgage with Self-Employment or Gig Income?

BluPrint News

Top 5 Mistakes First-Time Homebuyers Make (and How to Avoid Them with BluPrint Home Loans)

BluPrint News

The Ultimate Guide to Types of Home Loans

BluPrint News

How to Find the Best Mortgage Lenders in Long Beach

BluPrint News

The Easy Guide to Writing a Letter of Explanation (LOE)

Mortgage Image for Home Buying

BluPrint News

Navigating the 2025 Mortgage Landscape: What Homebuyers Need to Know

Home Buying -Bluprint Home Loans

BluPrint News

First-Time Homebuyer? Here’s What You Need to Know About the Mortgage Process

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BluPrint Home Loans is a Division of NFM, Inc. dba NFM Lending, NFM NMLS #2893. NFM is an Equal Housing Lender. Some products and services may not be available in all states. Licensing and disclosure information can be found at https://nfmlending.com/licensing/

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© 2026 NFM Lending, LLC dba BluPrint Home Loans. America’s Common Sense Lender® Trade/service marks are the property of NFM Lending. www.nfmlending.com. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act.

Equal housing lender. Make sure you understand the features associated with the loan program you choose, and that it meets your unique financial needs. Subject to Debt-to-Income and Underwriting requirements. This is not a credit decision or a commitment to lend. Eligibility is subject to completion of an application and verification of home ownership, occupancy, title, income, employment, credit, home value, collateral, and underwriting requirements. Refinancing an existing loan may result in the total finance charges being higher over the life of the loan. Not all programs are available in all areas. Offers may vary and are subject to change at any time without notice. Qualifying credit score needed for conventional loans. LTV’s can be as high as 96.5% for FHA loans. FHA minimum FICO score required. Fixed rate loans only. W2 transcript option not permitted. Veterans Affairs loans require a funding fee, which is based on various loan characteristics. For USDA loans, 100% financing, no down payment is required. The loan amount may not exceed 100% of the appraised value, plus the guarantee fee may be included. Loan is limited to the appraised value without the pool, if applicable. The pre-approval may be issued before or after a home is found. A pre-approval is an initial verification that the buyer has the income and assets to afford a home up to a certain amount. This means we have pulled credit, collected documents, verified assets, submitted the file to processing and underwriting, ordered verification of rent and employment, completed an analysis of credit, debt ratio and assets, and issued the pre-approval. The pre-approval is contingent upon no changes to financials and property approval/appraisal. For Arizona originators: AZ# BK-0934973. In Alaska, business will only be conducted under NFM Lending and not any of our affiliate sites.