A plan before the search
We clarify your financing, comfortable payment, preferred areas, lifestyle and nonnegotiables before spending time touring homes.
The Brittny McKay Buyer Experience
Buy with a plan—not pressure.
Whether this is your first purchase, next move, new construction or investment in your future, receive experienced guidance from financing strategy through the moment you receive your keys.
A concierge closing experience
More than a transaction. A moment worth celebrating.
Buying a home is a major accomplishment. Brittny and her team combine experienced representation, attentive guidance and memorable service to help make the journey feel as meaningful as the moment you receive your keys.
This video features a real Brittny McKay Real Estate client who authorized its use. Special closing experiences and amenities vary by transaction and availability.
The buyer advantage
Experienced representation at every decision point.
More than opening doors
Brittny helps you evaluate condition, comparable sales, taxes, insurance considerations, restrictions and long-term resale potential.
Strategic offer guidance
Price is only one part of an offer. Terms, concessions, timelines and risk are considered together to protect your position.
Contract-to-closing oversight
Inspections, repair negotiations, appraisal, title, financing deadlines and final details are actively managed through closing.
An experienced local network
When needed, you can be connected with lending, inspection, title and other professionals who can explain their part of the process.
Support after the keys
Questions do not stop at closing. Brittny remains a resource as you settle into ownership and plan your next real estate move.
There is more than one path to ownership
Start with financing that fits your situation.
You do not need to know which program is right before reaching out. If you need financing, Brittny can connect you with a licensed lending professional who can review eligibility and explain your options.
Conventional
Flexible options for qualified buyers, including programs with varying down-payment requirements.
FHA
A commonly used path with flexible qualification guidelines for eligible borrowers and properties.
VA
Qualified veterans and service members may have access to valuable financing benefits.
USDA
Eligible buyers and properties in qualifying areas may have access to 100% financing.
Down-payment assistance
Available programs may help qualified buyers with down payment or closing-cost needs.
Cash purchases
Cash buyers still benefit from property analysis, offer strategy, inspections and experienced representation.
Financing and assistance programs are subject to lender approval, borrower and property eligibility, program availability and change. Brittny McKay Real Estate is not a mortgage lender.
Common buyer questions
Start with clear answers.
Every purchase is different, but understanding the fundamentals makes the first conversation—and every decision after it—more productive.
What credit score do I need to buy a house?+
There is no single score for every buyer. Requirements depend on the loan program, lender and your complete financial profile. FHA guidelines may allow a 3.5% down payment with a qualifying score of 580 or higher, while scores from 500–579 generally require at least 10% down. Individual lenders may set higher minimums.
What credit score do I need for down-payment assistance?+
Requirements vary by program. Many current Louisiana Housing Corporation assistance programs require at least a 640 credit score, while certain property or program types may require 660 or higher. Other assistance programs and participating lenders may use different standards.
Can I qualify for down-payment assistance if my income is higher?+
Possibly. Many state and local programs have household-income limits, but some assistance options do not impose a program income cap. Credit, debt-to-income ratio, loan type, property eligibility and lender approval may still apply.
What credit score do I need for a VA loan?+
The U.S. Department of Veterans Affairs does not set a minimum credit score for VA-backed home loans. The private lender evaluates credit and may establish its own minimum. Eligible veterans and service members may qualify for valuable benefits, including the possibility of purchasing with no down payment.
What credit score do I need for a USDA loan?+
A score of 640 is commonly used as an important benchmark for streamlined or automated USDA credit review. A score below 640 does not automatically mean you are ineligible, but it may require a fuller credit review and additional documentation. The lender makes the final underwriting decision.
What is a USDA home loan?+
A USDA loan is a government-backed mortgage designed to support eligible buyers purchasing a primary residence in a qualifying rural or suburban area. Eligible borrowers may receive 100% financing, but household-income limits, property location, credit, repayment ability and lender approval apply.
Can down-payment assistance be used with different loan types?+
Yes, assistance may be available with certain conventional, FHA, VA or USDA financing options. Not every assistance program works with every loan, and VA or USDA buyers may use assistance for eligible closing costs even when the first mortgage does not require a down payment. A participating lender must confirm the best available combination.
Tour with more context
I help you evaluate the purchase—not simply the house.
Market valueComparable sales, competition and pricing context before you write an offer.
Property conditionVisible concerns, inspection priorities and questions that deserve professional evaluation.
True ownership pictureTaxes, insurance considerations, HOA information, utilities and possible maintenance needs.
Offer structurePrice, concessions, contingencies, deadlines and the overall strength and risk of your terms.
Future fitHow the home, location and potential resale support your goals beyond move-in day.
Choose where you are
Two starting points. One experienced guide.
I need to get prequalified.
I'll connect you with a trusted lending professional who can review your financing and explain whether assistance programs may be available.
Start with financing →I'm already prequalified.
Share your approval and home-search priorities so we can discuss the market, next steps and the right strategy for your move.
Start your search →Financing and down payment assistance are subject to lender approval, program availability and borrower eligibility. Brittny McKay Real Estate is not a mortgage lender.
The buying process
Know what comes next.
Start with financing
Connect with a trusted lending professional to understand your buying power, loan options and available assistance programs.
Define your search
Clarify the location, lifestyle, features and monthly investment that matter most to you.
Tour with purpose
Evaluate homes with informed guidance, market context and a clear understanding of the property.
Offer strategically
Build a competitive offer with thoughtful terms and skilled negotiation—not guesswork.
Navigate due diligence
Move through inspections, financing, appraisal and title with consistent communication.
Close with confidence
Understand the final numbers, documents and next steps before receiving your keys.
Start here
Let’s build your homebuying plan.
Tell us whether you need a lender connection or already have an approval. There is no obligation, and submitting this form will not affect your credit.
Prefer to call?Office · 504-517-5151