Whether you're ready to buy or refi, we're here for you.
Quickly compare mortgage rates and payment terms to find the best fit for you.
Calculate your monthly mortgage payment to fit your budget.
We'll make things easy for you to get financially prepared to apply.
Get pre-approved for your mortgage to negotiate confidently with sellers.
A down payment is the funds you apply towards the purchase of your home, but is not included in the loan amount.
The amount of down payment required varies for different mortgage types. Conventional mortgages generally require a minimum of 5% down.
Don't let down payments worry you. We have a variety of options available to help make your purchase possible.
Your debt-to-income (DTI) ratio is the sum of all of your debt payments divided by your gross monthly income.
An ideal mortgage should make up no more than 28% of your DTI; an ideal DTI is less than 36%.
Our budget calculator will help you prepare a list of your monthly expenses ahead of applying for your loan.
A steady stream of documented income shows that the borrower has the ability to repay their mortgage.
Gaps in employment are understandable and will not automatically not deter you from qualifying for a mortgage.
You will need to provide 30 days of paystubs before closing on your mortgage.
Your credit score is a number between 300 and 850 that is determined by your payment history, amounts owed, length of credit history, and types of credit used. Better credit reports and higher scores make it easier and cheaper to borrow.
If you are concerned that you may not qualify for a conventional loan based on your credit score, your lender may recommend a different type of mortgage such as one of our in-house options.
