Mortgage Resources
Everything you need to make informed home financing decisions
Helpful Tools
Mortgage Calculator
Calculate your monthly payments and see how much home you can afford.
Get Pre-Approved
Start your application and get pre-approved in minutes with no impact to your credit.
Loan Programs
Explore our complete range of mortgage products and find the right loan for you.
Helpful Guides
First-Time Homebuyer Guide
- Understanding your budget and down payment options
- Choosing the right loan program (FHA, Conventional, VA)
- Navigating the home search and offer process
- Understanding closing costs and what to expect
Refinancing Your Home
- When is the right time to refinance?
- Cash-out refinance vs. rate-and-term refinance
- Calculating your break-even point
- Streamlined refinance options to save time
Common Questions
What credit score do I need to buy a home?
Credit score requirements vary by loan type. FHA loans accept scores as low as 580 (or 500 with 10% down), conventional loans typically require 620+, and VA loans are flexible. We can help you find the right program for your situation.
How much do I need for a down payment?
Down payment requirements range from 0% (VA, USDA) to 3-3.5% (FHA, HomeReady, HomePossible) to 5-20% (conventional). Many first-time buyers qualify for low down payment programs.
What is PMI and can I avoid it?
Private Mortgage Insurance (PMI) is required on conventional loans with less than 20% down. VA loans have no PMI, and you can avoid it on conventional loans by putting 20% down or using special programs.
How long does it take to close on a home?
Typical closing timelines range from 30-45 days from contract to closing. With pre-approval and all documents ready, some loans can close faster. We work to make the process as smooth and efficient as possible.
Should I get pre-qualified or pre-approved?
Pre-approval is stronger than pre-qualification. Pre-approval involves verification of your financial information and gives you a more accurate idea of what you can afford, making your offer more competitive.