Our team will review your financial situation and goals to recommend the best loan options tailored to your needs.

Yes! Our quick online application makes it easy to get started from anywhere, anytime.

Most applications are reviewed within a few business days, and we’ll guide you through each step.

Absolutely. We specialize in helping first-time buyers understand their options and secure affordable financing.

Your interest rate depends on several financial factors that help lenders assess risk and stability. Here are the main points they review:

• Credit Score:
Your credit profile plays the biggest role. Higher scores typically mean lower rates, since they reflect a strong history of repayment. Lenders also look for recent late payments or high credit utilization.

• Debt-to-Income Ratio (DTI):
This compares your monthly debts to your gross income. Most lenders prefer a front-end ratio (housing only) below 28% and a back-end ratio (all debts combined) below 36%. Staying within these ranges helps you qualify for better terms.

• Down Payment or Equity:
The more money you put down (or the more equity you have when refinancing), the less risk for the lender — and usually, the lower your rate. For example, someone putting 10% down may get a better rate than a buyer putting 0% down.

Once these factors are reviewed, your loan goes through underwriting to confirm eligibility and finalize pricing.

Discount points are optional fees you can pay upfront to reduce your interest rate for the life of the loan.
Each point equals 1% of your loan amount. Paying points can make sense if you plan to stay in the home long enough to benefit from the lower monthly payment. You’ll see any points you purchase listed on your Closing Disclosure at closing.

Closing costs vary depending on your loan type, property location, and chosen lender. Generally, they range from 2% to 5% of the loan amount.

Typical items include:

- Origination Fee: Covers loan setup and processing

- Discount Points: Optional fee to buy down your rate

- Appraisal Fee: Based on home size and location

- Credit Report Fee: Cost of verifying your credit profile

- Underwriting & Processing Fees: For lender and investor services

- Flood Certification: Confirms whether the home is in a flood zone

- Title Fees & Title Policy: Paid to the title company to ensure clear ownership

- Recording Fees: Charged by your local county or state for legal filing

Some costs are controlled by third-party vendors and can’t be negotiated. Your Loan Estimate will outline each expense clearly before closing.

Your credit report gives lenders a snapshot of your financial habits — showing how you manage debt and repayment. Reports are pulled from Equifax, Experian, and TransUnion to verify your accounts, balances, and payment history.

This information is used to calculate your credit score, which directly influences loan approval, rate options, and terms.

Both are great options, but they suit different needs:

• Down Payment:
FHA loans require as little as 3.5% down, while some conventional programs allow 3% down for qualified buyers.

• Mortgage Insurance:
FHA loans include an upfront and monthly mortgage insurance premium (MIP). Conventional loans may also require mortgage insurance if you put down less than 20%, but it can be removed once you reach 20% equity.

• Credit Flexibility:
FHA loans are often more forgiving for borrowers with lower credit scores or limited credit history. Conventional loans tend to favor stronger credit and lower debt ratios.

• Taxes & Insurance:
Both loan types handle property taxes and homeowner’s insurance the same way — typically through an escrow account managed by your lender.

• Interest Rates:
Rates can vary based on the program, lender, and your financial profile. Always request a detailed quote comparing both options before deciding.