Get pre-qualified today!
Don't wait! If you are qualified to buy today, putting off your home search could be costing you a lot. Use your home as a piggy bank to secure your future.
Get started today by reaching out to a lending professional!
Complete the entire loan process online through an online application which becomes your secure portal to upload documents. Meanwhile, you will have a personal point of contact to reach out to during the process.
Using our online portal is easy! Create a secure login and get started on your application. After you're done with your application you will be able to start uploading your documents right away.
Every home buyer is different. Each application requires it's own unique set of conditions and challenges. We put together the pieces for you and let you know what to expect once everything is collected.
If you qualify for multiple loan options, we can help you compare these different options. Sometimes the goal is the lowest monthly payment, whereas other times it may be the least cash out of pocket.
You're in the right place! Starting by talking to a lender will get you prepared for working with a Real Estate Agent to find your perfect home. We will help you learn what to expect throughout the process, and be there for you every step of the way. Buying a home can be stressful, so learn as much as possible!
Schedule a CallThe first step is to look at your credit. Do you have collections or charge offs? What about late payments? If the answer is yes, we may have some work to do before you get qualified. Otherwise, if you still have credit score issues it may be resolved by paying down balances on revolving credit below 30% of your credit limit.
Free Credit ReportDepending on your loan type, your minimum down payment could be as low as 0% (USDA and VA loans) or as high as 5% (Conventional). FHA is in the middle at 3.5% down. The home buying process will require these down payment funds to be available before you can get qualified. The good news is that you can use a gift from your family if you have that option available. Down payment assistance can't cover 100% of the expenses involved, so get the process started by having some funds available.
Questions?You really can't start shopping for an interest rate until you are pre-qualified. There are a few "lock and shop" options that will allow you to lock in a rate before you find your home, but that may not be beneficial. Interest rates will change all day every day. As soon as you are quoted a rate from ANY lender, it expires if you didn't lock it in.
Today's Rate InformationDon't wait! If you are qualified to buy today, putting off your home search could be costing you a lot. Use your home as a piggy bank to secure your future.