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Find the best mortgage rates and loan products to match your unique needs.
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Whether you're a first-time buyer or looking to refinance, we’re here to simplify the process and make home ownership attainable.
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Share basic info to explore home loan options.
Receive a quick pre-approval decision.
Choose from competitive rates and terms.
Finalize your loan and move into your dream home.
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"I was stressing about figuring out my mortgage payments, but this calculator made it so simple! I just entered my loan amount, interest rate, and term, and within seconds, I had a clear breakdown of my monthly payment. No confusing formulas or complicated steps—just quick and accurate results! Highly recommend for anyone planning to buy a home."
"As someone who looks at multiple properties and financing options, I’ve used a lot of mortgage calculators—but this one is by far the best! It’s straightforward, user-friendly, and gives me instant numbers that help me plan my investments. Whether you’re a first-time buyer or an experienced investor, this tool is a game-changer!"
"I was considering refinancing my mortgage and wanted to see how much I could save. This calculator made it incredibly easy to compare different loan terms and interest rates. In just a few clicks, I knew exactly what my new payments would be. If you need quick and reliable mortgage estimates, this is the tool for you!"
We now have an FAQ list that we hope will help you answer some of the more common ones.
There are several types of mortgage loans, including:
Conventional Loans: Loans that follow the guidelines set forth by Fannie Mae and Freddie Mac. These use traditional income and asset documents to qualify customers and can be used for single family homes, warrantable condos and 2-4 unit properties.
FHA Loans : Insured by the Federal Housing Administration, great for customer looking for a low down payment or who have slightly lower credit scores.
VA Loans : Available to veterans and active military members
USDA Loans : Available for properties located in rural or agricultural areas as designated the USDA.
Jumbo Loans: Loans that allow customers to borrower higher loan amounts than the conforming loan limits set forth by Fannie Mae and Freddie Mac
Credit score requirements vary by lender and loan type:
Conventional loans: Typically 620 or higher.
FHA loans: As low as 500 with a 10% down payment or 580 with 3.5% down.
VA/USDA loans: No strict minimum, but 620+ is recommended.
It depends on the loan type:
Conventional loans: As low as 3% down
FHA loans: 3.5% (580+ credit score) or 10% (500-579 credit score)
VA loans: 0% (for qualified borrowers)
USDA loans: 0% (for eligible rural homebuyers)
Jumbo loans: Typically 10% or more (varies by lender)
Mortgage rates fluctuate daily based on the economy, Federal Reserve decisions, and market trends. Contact us for the latest rates customized to best fit your financial situation.
To get pre-approved, you’ll need to submit:
Proof of income (W-2s, pay stubs, tax returns)
Credit report authorization
Proof of assets
Typically you should consider refinancing if:
Interest rates have dropped since you closed on your existing mortgage.
You want to shorten or extend your loan term.
You want to lower your monthly principal and interest payment.
You want to switch from an adjustable-rate mortgage (ARM) to a fixed-rate loan.
You want cash for home improvements or debt consolidation (cash-out refinance).
You'll need the estimated loan amount, the annual interest rate, the loan term (e.g., 15 years, 30 years), and the down payment amount. Optionally, you can include estimated property taxes and homeowner’s insurance.
The loan term is the length of time you have to repay the mortgage, typically expressed in years (e.g., 15 years, 30 years).
Several factors can cause differences, including:
Changes in interest rates.
Variations in property tax and insurance amounts.
Lender fees and closing costs.
Private Mortgage Insurance (PMI) costs.
Consider:
Increasing your down payment.
Improving your credit score to qualify for a lower interest rate.
Choosing a longer loan term.
Shopping around for the best interest rates.
Using our Calculating a Mortgage Loan calculator allows you to input estimated property tax and homeowners insurance amounts, providing a more comprehensive monthly payment estimate.
Using our Calculating a Mortgage Loan calculator to determine how much you can comfortably afford based on your income, expenses, and desired monthly payment. It is also wise to get pre-approved by a lender.
A 15-year mortgage typically has a lower interest rate and allows you to build equity faster, but it also has higher monthly payments. A 30-year mortgage has lower monthly payments, but you'll pay more interest over the life of the loan.