Everything you need to make informed decisions about your home financing. From calculators to guides, we've got you covered.
Calculate your estimated monthly mortgage payment based on loan amount, interest rate, and term.
Compare your current mortgage with refinance options to see potential savings.
Determine how much house you can afford based on your income, debt, and down payment.
Calculate the Annual Percentage Rate to compare the true cost of different loan offers.
Calculate APRSee how your payments are applied to principal and interest over the life of your loan.
View ScheduleCalculate your home's equity and see how much you could borrow with a home equity loan.
Calculate EquitySee how different down payment amounts affect your monthly payment and total costs.
Calculate Down PaymentCompare different loan terms to see how they affect your monthly payment and total interest.
Compare TermsCalculate Private Mortgage Insurance costs and see when you can remove it.
Calculate PMIEverything you need to know about buying your first home, from saving for a down payment to closing day.
Learn when and how to refinance your mortgage to save money or access your home's equity.
Tips and strategies to improve your credit score and qualify for better mortgage rates.
Understand all the costs associated with closing on your mortgage and how to prepare for them.
Credit score requirements vary by loan type. Conventional loans typically require a minimum score of 620, while FHA loans may accept scores as low as 580. VA and USDA loans have more flexible requirements. Higher scores generally qualify for better rates.
Down payment requirements vary by loan type: Conventional loans can require as little as 3%, FHA loans require 3.5%, VA loans require 0%, and USDA loans require 0%. A larger down payment can help you avoid PMI and get better rates.
The typical mortgage process takes 30-45 days from application to closing. This includes pre-approval, property appraisal, underwriting, and final approval. Some loans, like FHA streamline refinances, can close faster.
You'll need proof of income (paystubs, W-2s, tax returns), bank statements, identification, and information about your debts and assets. Self-employed borrowers may need additional documentation like business tax returns.
Fixed-rate mortgages offer predictable payments for the life of the loan, while ARMs typically start with lower rates but can adjust over time. Consider your timeline, risk tolerance, and market conditions when choosing.
Closing costs typically range from 2-5% of the loan amount and include appraisal fees, title insurance, loan origination fees, and prepaid items like property taxes and insurance. We'll provide a detailed estimate upfront.
Our mortgage experts are here to answer your questions and guide you through the process.
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