Get Started with Your Home Loan


This site is dedicated to helping you in the home buying process. From getting pre-qualified, to shopping, to finding the perfect loan, this site is a comprehensive resource for home buyers.  We have talented and experienced contributors from the mortgage industry sharing their knowledge to help you find a loan and buy a home.

purchase refinance

When was the last time you took a good look at your home mortgage? With a free and easy Mortgage Checkup, you can quickly evaluate your mortgage and see if there are loan programs available to better help you meet your financial goals. 


  • Lower your interest rate and monthly payments 
  • Pay for home improvements 
  • Consolidate debt 
  • Eliminate or lower mortgage insurance 
  • Pay off your home faster 
  • Avoid increasing payments in an ARM loan 

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Borrowers with less than perfect credit have the opportunity to purchase a new home through government-backed loans like VA and FHA.
Expanded Opportunity Loans allow:

  • Credit scores as low as 580
  • Higher Debt-to-Income ratios

Quick Facts

  • Lower down payment amounts than conventional loans
  • No bankruptcies in the preceding 2 years (with some exceptions)
  • No foreclosures, short sales, or deeds-in-lieu in the preceding 3 years (with some exceptions)
  • Subject property must be a primary residence

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Conventional loans are generally a good fit for most borrowers who do not have any special circumstances and have good credit. Qualifying for a conventional loan typically provides you with a more favorable interest rate and loan terms as a result of your better credit rating.


  • Fixed or Adjustable Rates
  • 15 or 30 Year Terms
  • Down Payments As Low As 3%
  • PMI eliminator programs available

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We are committed to helping those who bravely served our country. Take advantage of the loan benefits you've earned as military personnel. As a veteran, you will find your best value in a VA loan. The VA is the only agency that insures its loans without charging a premium. 


  • No down payment required, with up to 100% loan-to-value
  • No up-front mortgage insurance premium
  • No annual mortgage insurance premium
  • No prepayment penalty
  • Typically lenders offer lower closing costs for VA loans

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What will my payment be?

Down Payment % 0% 3.50% 5% 10% 20%
Down Payment Amount
Loan Amount
Available Loans VA
FHA Bond
2nd Chance
2nd Chance
Principal & Interest
*Principal & interest only. Amount does not include other applicable monthly fees such as mortgage insurance, property taxes, insurance, HOA fees, or flood insurance.

Additional Programs