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The traditional 30-year fixed-rate mortgage has a constant interest rate and monthly payments that never change. This may be a good choice if you plan to stay in your home for seven years or longer. If you plan to move within seven years, then stable-rate loans are usually cheaper.

We’re here to make the home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FREE 30-Year Fixed Rate Mortgage Qualifier.

We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you’re a first-time home buyer or a seasoned investor.

Here’s how our home loan process works:

This loan is fully amortized over a 15-year period and features constant monthly payments. It offers all the advantages of the 30-year loan, plus a lower interest rate and you’ll own your home twice as fast. The disadvantage is that, with a 15-year loan, you commit to a higher monthly payment. Many borrowers opt for a 30-year fixed-rate loan and voluntarily make larger payments that will pay off their loan in 15 years. This approach is often safer than committing to a higher monthly payment, since the difference in interest rates isn’t that great.

We’re here to make the home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FREE 15-Year Fixed Rate Mortgage Qualifier.

We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you’re a first-time home buyer or a seasoned investor.

Here’s how our home loan process works:

One-Time Close Construction Loans simplify the home-building process by combining the financing for both the construction and the permanent mortgage into a single loan. This type of loan eliminates the need for multiple loan applications, approvals, and closings, reducing both time and costs for the borrower. With a One-Time Close Construction Loan, you secure financing upfront, allowing you to lock in your interest rate and avoid the hassle of requalifying after construction is complete. This streamlined approach offers convenience and peace of mind, making it easier to build your dream home from the ground up.

An FHA loan is a mortgage loan that is insured by the Federal Housing Administration (FHA). Essentially, the federal government insures loans for FHA-approved lenders in order to reduce their risk of loss if a borrower defaults on their mortgage payments.

The FHA program was created in response to the rash of foreclosures and defaults that happened in 1930s; to provide mortgage lenders with adequate insurance; and to help stimulate the housing market by making loans accessible and affordable.

We’re here to make the FHA home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FREE FHA Loan Qualifier .

We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you’re a first-time home buyer or a seasoned investor.

Here’s how our home loan process works:

A VA loan is a mortgage loan in the United States guaranteed by the U.S. Department of Veterans Affairs (VA). The loan may be issued by qualified lenders. The VA loan was designed to offer long-term financing to eligible American veterans or their surviving spouses (provided they do not remarry).

We’re here to make the VA home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FREE VA Loan Qualifier.

We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you’re a first-time home buyer or a seasoned investor.

Here’s how our home loan process works:

An FHA loan is a mortgage loan that is insured by the Federal Housing Administration (FHA). Essentially, the federal government insures loans for FHA-approved lenders in order to reduce their risk of loss if a borrower defaults on their mortgage payments.

The FHA program was created in response to the rash of foreclosures and defaults that happened in 1930s; to provide mortgage lenders with adequate insurance; and to help stimulate the housing market by making loans accessible and affordable.

We’re here to make the FHA home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FREE FHA Loan Qualifier.

We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you’re a first-time home buyer or a seasoned investor.

Here’s how our home loan process works:

The United States Department of Agriculture (USDA) gives out a variety of loans to help low- or moderate-income people buy, repair or renovate a home in a rural area. Some of the popular types of loans are: the single family direct homeownership loan, the single family guaranteed homeownership loan, the rural repair and rehabilitation loan or grant and the mutual self-help loan. This guide will help you figure out what these loans are and whether you qualify.

Though the terms and details of these loans differ, all offer very low effective interest rates (some are as low as 1 percent) and don’t require a cash down payment. To qualify, you need to have a decent credit history.

We’re here to make the USDA home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FREE USDA Loan Qualifier.

We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you’re a first-time home buyer or a seasoned investor.

Here’s how our home loan process works:

A jumbo loan is a loan that exceeds the conforming loan limits as set by Fannie Mae and Freddie Mac. As of 2024, the limit is $766,550 for most of the US, apart from Alaska, Hawaii, Guam, and the U.S. Virgin Islands, where the limit is $1,149,8225. Rates tend to be a bit higher on jumbo loans because lenders generally have a higher risk.

We’re here to make the jumbo home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FREE Jumbo Loan Qualifier.

We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you’re a first-time home buyer or a seasoned investor.

Here’s how our home loan process works:

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A cash-out refinance is a type of refinancing option in which the borrower takes out a new home loan on their property for a larger sum than what they owe on their original mortgage loan. They then receive the difference between those two loan amounts in cash.

This does not add an additional monthly payment. The larger loan replaces the borrower’s current mortgage, and the monthly payment amount will be different under the new agreement. If you’re doing a cash-out refinance, it’s important to review the terms in full to have a complete understanding of how this type of mortgage refinance will affect your budget.

An FHA Streamline Refinance can be a great option for homeowners with Federal Housing Administration (FHA) loans looking to lower their monthly payments and avoid a repeat of the FHA appraisal process. If you currently have a conventional loan, you won’t be able to switch to an FHA mortgage with this type of refinance.

Depending on the circumstances surrounding your FHA refinancing, you can choose between a credit qualifying streamline – where the lender checks your credit score and debt-to-income ratio (DTI) – or a non-credit qualifying streamline for your FHA loan.

A VA Streamline Refinance (also referred to as VA IRRRL) is an option available to military veterans and active service members with Department of Veterans Affairs (VA) loans.

This type of streamline refinance allows VA loan borrowers to potentially lower their monthly payments and interest rates, shorten or lengthen their loan term or switch from an adjustable-rate mortgage (ARM) to a fixed-rate mortgage. They also pay a lower VA funding fee. If you’re a veteran, service member or surviving spouse of a veteran with a VA loan, you can likely get a VA IRRRL – you’ll just need to provide proof of residence to your lender to qualify.

HomeStyle Renovation Loans offer a flexible financing option for homeowners and buyers looking to make improvements or renovations to their property. Whether you're planning to update a kitchen, add a room, or completely transform a fixer-upper, this loan allows you to finance both the purchase and renovation costs into a single mortgage. With HomeStyle Renovation Loans, you can borrow based on the future value of the property after improvements, giving you the freedom to create the home you’ve always envisioned. This all-in-one solution simplifies the renovation process, making it easier to turn any house into your dream home.

Fixed-rate loans provide a single, lump-sum payment to the borrower, which is repaid over a set period of time, usually five to 15 years, at an agreed-upon interest rate. The payment and interest rate remain the same over the lifetime of the loan.

A home equity line of credit (HELOC) is an adjustable or variable-rate loan that works much like a credit card. In fact, sometimes these loans come with a credit card that the borrower can use for purchases on the line of credit. Borrowers are pre-approved for a certain spending limit and can withdraw money when they need it via a credit card or special checks.