Mortgage Loans

Mortgage loans help you purchase, refinance, or improve your home. With fixed and adjustable rate options, we help you find the right mortgage for your financial situation.

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Minimum Credit Score

620

Maximum Loan Amount

$1000K

Typical Funding Timeline

Pre-qualification within 24 hours, full approval within 3-5 business days, closing within 30-45 days

Key Benefits

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Competitive fixed and adjustable rates

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Long-term financing (15-30 years)

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Multiple loan programs (FHA, Conventional, VA, USDA)

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Quick pre-qualification process

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Expert guidance through the process

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Refinancing options to lower rates

Qualifications

• Minimum credit score of 620+
• Stable employment (2-year history)
• Debt-to-income ratio under 43%
• Minimum down payment (3-20% depending on program)
• Valid ID and proof of residency
• Sufficient funds for closing costs

Funding Amounts

Minimum

$50,000

Typical Range

$200,000 - $500,000

Maximum

$1,000,000+

Frequently Asked Questions

What programs do you offer?

We offer conventional, FHA, VA, and USDA loans. Each program has different requirements and benefits.

What is the typical interest rate?

Mortgage rates vary daily based on market conditions and your creditworthiness. Current rates are available upon application.

Can I get a mortgage with bad credit?

Yes, FHA loans allow credit scores as low as 580. VA loans may be available to qualifying veterans regardless of credit score.

What are closing costs?

Closing costs typically range from 2-5% of the loan amount and include appraisal, title insurance, underwriting, and attorney fees.

Can I refinance my existing mortgage?

Yes, refinancing can help you lower your rate, reduce your payment, shorten your term, or access your home's equity.