Purchase Loans
Buy your next home with confidence
Conventional, FHA, VA, USDA and options for unique income scenarios. We’ll help you compare programs and structure your offer so you can compete in today’s market.
Explore purchase options#1 Digital Lender 2025
Get instant approval, lock rates for 120 days, and close in 14 days. Experience mortgage lending built for modern life.
14
Day Close
4.9★
Average Rating
24/7
Support
No credit impact
3-minute approval
🏡
Loan programs
Loan options for every stage of homeownership
Whether you’re buying your first home, refinancing, or tapping equity, WeLoan offers a full menu of loan programs backed by experienced loan officers.
Refinance & Cash-Out
Lower payments or access equity
Whether you’re looking to reduce your monthly payment, shorten your term, or tap equity for other goals, our team will walk through scenarios side-by-side so you can choose with clarity.
See refinance scenariosHome Equity Line of Credit (HELOC)
Flexible access to home equity
Tap a revolving line of credit secured by your home. Use what you need, when you need it — for renovations, debt consolidation, or future plans.
Learn about HELOCsDown Payment Assistance
Support for today’s homebuyers
Explore programs that can help cover some or all of your down payment and closing costs, subject to eligibility and local guidelines.
Check DPA optionsJumbo & Investment
Higher loan amounts, tailored terms
Solutions for higher-priced homes and investment properties, including options for complex income or multiple properties.
View jumbo solutionsSpecialized Programs
Built around real-life situations
From streamline refinances to loan options for self-employed borrowers, we’ll help you understand what’s possible for your specific situation.
Talk to a loan expertHow We Work
A transparent, guided mortgage experience
WeLoan is the mortgage division of Sharp Loan, Inc. Our team blends technology with hands-on guidance so you can move forward with a plan that makes sense for you.
Need a real person?
Talk with a WeLoan loan officer at (888) 731-4045. We’ll help you map out next steps in one short conversation.
People first, not file numbers
We take time to understand your goals, your timeline, and how home financing fits into your bigger financial picture.
Common-sense underwriting
Instead of forcing you into a rigid box, we look for ways to make good loans work within today’s guidelines.
100+ investor options
Access to a wide range of investors and programs helps us match you with competitive terms for your situation.
Guidance from start to closing
From application through conditional approval, appraisal, and signing, our team keeps you informed at every step.
Your path from “what if” to “we closed”
- 01
Connect & clarify goals
You share where you are today and what you’re trying to accomplish — buying, refinancing, or tapping home equity.
- 02
Compare loan strategies
We’ll lay out a few scenarios side-by-side so you can weigh payment, cash-to-close, and long-term impact.
- 03
Lock & underwrite
Once you pick a strategy, we lock your rate (subject to eligibility) and move your file into processing and underwriting.
- 04
Close with confidence
We coordinate with all parties and keep you updated so closing feels smooth, not stressful.
Everything you need
Modern tools and real humans for modern homebuyers.
120-Day Lock
Shop with confidence while rates stay protected.
Rate Radar
We watch the market so you do not have to.
14-Day Close
Move-in ready timelines for serious buyers.
Instant Approval
Know where you stand in minutes, not days.
Digital Docs
Upload, sign, and track documents fully online.
Live Tracking
Follow every step of your loan in real time.
Bank-Level Security
Your data encrypted and protected end-to-end.
Expert Support
Real people ready to help when you need it.
What Our Clients Say
Real stories from real homeowners and investors.
MR
Maria Rodriguez
First-Time Buyer
"The whole process was incredibly smooth. I closed in just 18 days!"
JC
James Chen
Refinance Customer
"I saved about $400/month by refinancing. The rate beat my previous lender."
AP
Aisha Patel
Investment Property
"As an investor, I need speed and reliability. WeLoan delivered both."
Ready to get started?
Get pre-approved in about 15 minutes with no impact to your credit score.
Start Your Application