Mortgages

Find your dream home with our competitive mortgage rates and flexible terms

Mortgage Calculator

$
$
%
Y
Monthly Payment
$1,517
Principal & Interest $1,517
Loan Amount $240,000
Total Interest $306,120
Total Payment $546,120

Mortgage Types

Fixed Rate

From 6.25% APR

Lock in your rate for the entire loan term. Predictable payments, no surprises.

  • 15, 20, or 30-year terms available
  • Rate never changes
  • Predictable monthly payments
  • Perfect for long-term homeowners
Apply Now

Adjustable Rate

From 5.75% APR

Start with a lower rate that adjusts periodically. Great for short-term ownership.

  • Lower initial interest rate
  • 5/1, 7/1, or 10/1 ARM options
  • Rate caps protect you
  • Ideal for 5-7 year ownership
Apply Now

FHA Loan

From 6.00% APR

Government-backed loan with low down payment options for first-time buyers.

  • As low as 3.5% down payment
  • Lower credit score requirements
  • Government-insured
  • Great for first-time buyers
Apply Now

VA Loan

From 5.90% APR

Exclusive benefits for veterans and active military. No down payment required.

  • 0% down payment
  • No private mortgage insurance
  • Competitive rates
  • For veterans & military
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Jumbo Loan

From 6.75% APR

Finance high-value properties that exceed conventional loan limits.

  • Loans over $726,200
  • Luxury property financing
  • Competitive jumbo rates
  • Flexible terms available
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Refinance

From 6.15% APR

Lower your rate, change your term, or tap into your home's equity.

  • Lower monthly payments
  • Cash-out refinancing available
  • Switch loan types
  • No appraisal options
Apply Now

What You'll Need

Identification

Valid government-issued ID and Social Security number

Income Proof

Recent pay stubs, W-2s, and tax returns

Bank Statements

2-3 months of checking and savings statements

Credit History

Good credit score (typically 620+ for conventional)

Employment

2 years of steady employment history

Assets

Documentation of investments and retirement accounts

Application Process

1

Get Pre-Approved

Submit your application online or speak with a loan officer. Get pre-approved in as little as 24 hours to strengthen your buying power.

2

Find Your Home

Work with your real estate agent to find the perfect property. Your pre-approval letter shows sellers you're a serious buyer.

3

Submit Documents

Upload required documentation through our secure portal. Our team will review everything and request any additional items needed.

4

Home Appraisal

We'll order a professional appraisal to confirm the home's value. This protects both you and the lender.

5

Underwriting

Our underwriters carefully review your application and documentation. We may request clarification on certain items.

6

Close & Move In

Sign your final documents, get your keys, and move into your new home! The entire process typically takes 30-45 days.

Frequently Asked Questions

What credit score do I need?
For conventional loans, we typically recommend a credit score of 620 or higher. FHA loans may accept scores as low as 580 with a 3.5% down payment, or 500 with 10% down. VA loans are more flexible. A higher credit score will help you qualify for better interest rates.
How much down payment do I need?
Down payment requirements vary by loan type. Conventional loans typically require 3-20%, FHA loans need as little as 3.5%, VA loans offer 0% down for eligible veterans, and USDA loans also offer 0% down for rural properties. A 20% down payment helps you avoid private mortgage insurance (PMI).
What's the difference between pre-qualified and pre-approved?
Pre-qualification is an estimate based on self-reported financial information. Pre-approval is more comprehensive - we verify your income, assets, and credit, then provide a conditional commitment for a specific loan amount. Pre-approval carries more weight with sellers.
How long does the mortgage process take?
The typical mortgage process takes 30-45 days from application to closing. This can vary based on the loan type, property appraisal timing, and how quickly you provide required documentation. We work hard to close on time or even early when possible.
What are closing costs?
Closing costs typically range from 2-5% of the loan amount and include fees for appraisal, title insurance, attorney fees, origination charges, and prepaid items like property taxes and homeowners insurance. We'll provide a detailed estimate within three days of your application.