The interest rate is the cost to borrow the money in your loan, while APR (annual percentage rate) adds an upfront cost of getting the loan including points and lender fees.

Click here to start your application, or call (800) 680-8799 to get connected to a loan officer near you.

Speak with your dedicated loan officer about materials you will need for the process or click here for a detailed mortgage checklist to get a head start.

Your down payment will depend on the type of home you decide to buy, and the type of financing you choose. Typically, you can expect to spend a range of 3%-20% of the home’s purchase price on a down payment.

We have a large variety of products and programs to fit every unique financial situation. For more information, please click here to learn more about what we offer.

The time frame for getting pre-qualified is hard to predict as many factors are involved. A good rule of thumb is that the faster you are able to provide the requested documents and information, the faster the process takes. A pre-qualification can happen overnight or it can take a long period of time. Your loan officer will go over what it entails in detail and will do everything possible to get it done quickly.

Your credit history and credit score effects the interest rate you will be offered, the amount of money you are able to borrow and whether or not you will be approved for a loan. Your loan officer will go over all of this and even make suggestions (if need be) as to how to improve your credit score.