Mortgage Resource
Choose your goal to get personalized resources, tools, and guidance for your next move.
BUY A HOME
I want to purchase a home.
REFINANCE
I want to lower my rate, change my loan, or reduce my monthly payment.
USE HOME EQUITY
I want to tap into my home's equity.
INVEST
I want financing for an investment property.
Your Journey to Homeownership
What Would You Like to Learn?
Explore tools, guides, and answers to your most common questions.
Find Your Best Path
Answer a few quick questions to see which financing options may be worth exploring.
What are you looking to do?
Recommended Programs
Select your choices on the questionnaire to view your personalized recommendations.
Mortgage Guides & Checklists
Helpful resources to educate and empower you.
Quick Answers
Get answers fast to common mortgage questions.
Down payments can be as low as 0% with certain loan programs like USDA and VA. Many buyers put down 3% to 5% with conventional loans and 3.5% with FHA loans.
Generally, you need at least a 580 credit score for an FHA loan with a low down payment, and a 620 or higher for conventional loans. Specific programs offer options for different credit tiers.
A pre-approval typically involves a hard credit check which might impact your credit score slightly, but is required to confirm loan terms and budgets.
A typical refinancing transaction takes between 30 to 45 days, depending on appraisal requirements and document preparation speeds.
Lenders commonly allow home equity line withdrawals up to 80-85% of your property value minus any outstanding first mortgage.
A Debt Service Coverage Ratio loan lets you qualify based on the expected cash flow / rent of the investment property rather than personal income.
Ready to Take the Next Step?
Our loan officers are here to help you move forward with confidence.
