Connect with your mortgage expert and learn about all your home buying options and programs
We will walk you through each step of the mortgage process and guide you into home ownership
Our application process is simple and streamlined which means applying is easy and fast
Buying a home is exciting, but the mortgage process can feel complicated. We're here to simplify it.
A mortgage is simply a loan used to purchase a property, with the home itself serving as collateral. You pay back the lender over time (usually 15 or 30 years) with monthly payments covering four main components, often called PITI:
Ready to dive deeper? Explore our guides below to master the fundamentals and prepare for your home purchase.
Applying for a mortgage can seem like a daunting and scary process. To help, we've created a checklist of things for you to compile, complete and acknowledge before applying. See the fill list by clicking learn more below.
Credit history is a recorded file of past and current credit that is utilized to compile a credit score. Read about credit, how it works, how to improve your score and more by clicking learn more below.
A closing cost is a payment required to finalize a home loan and is separate from a down-payment. Read about closing cost, their purpose, how you can pay them and more by clicking learn more below.
An appraisal is an estimate of a property's fair market value and is required by a lender to ensure the loan amount is not more than the property value. Read about appraisals, how they work, ownership and more by clicking learn more below.
Private Mortgage Insurance or PMI is insurance that protects a lender from increased risk from borrowers putting less than 20% down on a house. Read about PMI, how it works, cost and more by clicking learn more below.
Refinancing your mortgage is a common practice used to lower monthly payments, interest rates, lower your DTI and more. Read about refinancing, how it works, cost and more by clicking learn more below.
See a full list of mortgage terms by clicking learn more below.
Foreclosure is the process of a lender seizing a property in accordance with the terms stipulated in the mortgage contract. Read about foreclosure and how to avoid it by clicking learn more below.
