We offer mortgage solutions tailored to every homebuyer:
Fixed-Rate Mortgages – Predictable payments for the life of the loan with as little as 3% down.
Adjustable-Rate Mortgages (ARMs) – Flexible rates that adjust over time, minimum down-payments of 20% required.
FHA Loans – Affordable financing with low down payments of 3.5%
VA Loans – Exclusive benefits for veterans and military families with as little as 0% down if purchasing solo or spouse. 12.5% down when purchasing with a non-veteran.
Jumbo Loans – Financing for properties beyond standard loan limits. Learn more on our Loan Programs page or instantly ask our AI agent or connect with a live agent. Lowest down-payment 15% down and elite rates with 30% down or more.
Your payment typically includes principal, interest, taxes, insurance (PITI), and possibly Mortgage Insurance (PMI). Visit our Mortgage Payment Calculator or quickly ask our AI or live agent for details.
We'll usually ask for: Proof of income (pay stubs, W-2s, or tax returns). Bank statements.Identification documents. Proof of assets.
While FHA approvals for condos have become limited we do Single Unit Approvals (SUA), many condos are eligible for VA and conventional loans. Quickly verify eligibility through our Condo Eligibility Tool or instantly discuss with our AI or live agents.
Down payments can vary:
Conventional Loans: As little as 3% down (if you haven't owned a home in the past three years).
FHA Loans: Minimum of 3.5% down.
VA Loans: No down payment required for eligible veterans.
A higher credit score typically means better terms, but loans are available for scores as low as 580 (FHA). Learn about improving your credit score through our preferred partners or contact us for free credit counseling, or instantly discuss options with our A.I. or live agents.
Most loans close within 30-45 days. Our streamlined approach and experienced team ensure efficiency. For a personalized timeline, speak instantly with our AI agent or live team.
Higher credit scores can help you qualify for better interest rates and lower PMI rates. For specific rate impacts, check our Credit Guidance page or ask our AI agent or live representative instantly.
We recommend https://secureyourway.com as our preferred credit partner to improve FICO scores in the shortest amount of time possible while also improving the financial literacy of our clients.
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