Find the perfect loan for your dream home with competitive rates and expert guidance
Get pre-approved in 24 hours or less
Competitive interest rates starting at 4.8%
Professional loan officers to guide you
Bank-level security for your information
Calculate your monthly payments and see what you can afford
Choose the mortgage option that best fits your needs
Traditional mortgages with competitive rates and flexible terms. Ideal for borrowers with good credit.
Government-backed loans with lower down payment requirements and flexible credit standards.
Exclusive benefits for veterans and active military with no down payment required.
Zero down payment loans for eligible rural and suburban areas with income limits.
For high-value properties that exceed conforming loan limits in your area.
Lower your monthly payments or tap into your home's equity with refinancing options.
Start your home buying journey with confidence. Our pre-approval process is quick, easy, and gives you the power to make competitive offers.
Get pre-approved in as little as 24 hours
Lock in your rate for up to 90 days
Show sellers you're a serious buyer
Get started with your mortgage pre-approval
Updated daily to help you make informed decisions
Last updated:*Rates shown are sample rates and may not reflect actual market rates. Your actual rate may be different based on your credit profile, loan amount, loan term, and other factors. Contact us for personalized rate quotes.
Get answers to common mortgage questions
The amount you can borrow depends on several factors including your income, debt-to-income ratio, credit score, and down payment. Generally, lenders prefer that your total monthly debt payments don't exceed 43% of your gross monthly income. Use our mortgage calculator above to get an estimate, and speak with one of our loan officers for a personalized assessment.
Pre-qualification is an initial assessment based on information you provide about your income, debts, and assets. Pre-approval is a more thorough process where we verify your financial information and check your credit. Pre-approval gives you a conditional commitment for a specific loan amount and shows sellers you're a serious buyer.
Down payment requirements vary by loan type. Conventional loans can have down payments as low as 3%, FHA loans require 3.5%, and VA/USDA loans may require no down payment. A larger down payment typically means lower monthly payments and potentially better interest rates, but it's not always necessary to put down 20%.
Closing costs are fees associated with finalizing your mortgage, typically ranging from 2-5% of the loan amount. They include items like appraisal fees, title insurance, origination fees, and prepaid items like property taxes and insurance. We'll provide a detailed estimate of your closing costs early in the process.
Fixed-rate mortgages offer stability with the same payment throughout the loan term, making budgeting easier. Adjustable-rate mortgages (ARMs) typically start with lower rates but can change over time. ARMs may be suitable if you plan to move or refinance within a few years, while fixed rates are better for long-term stability.
The typical mortgage process takes 30-45 days from application to closing. This includes time for processing your application, ordering an appraisal, underwriting review, and final approval. We can often expedite the process for qualified borrowers, and having all your documentation ready can help speed things up.
Our experienced mortgage professionals are here to guide you through every step of the process.