Tell us about yourself and where you are in the home-buying journey. We’ll get you a personalized quote right away with no impact to your credit score, and a pre-approval letter you can use as leverage when house hunting.
Complete your application and manage documents online.
You can upload, sign, and submit documents, as well as lock in your rate – all online. If you need a little extra help, you can text, call, or email your home team expert for personalized guidance.
You’ll finalize everything in person. We’ll let you know where to go and what you’ll need to bring (besides a pen). Your closing expert can provide peace of mind should you have any questions beforehand.
Get the keys.
This is the fun part. When all the closing paperwork is signed, you’ll get the keys to your new home and can enjoy the next step in your journey.
Your loyalty means everything to us
Your loyalty means everything to us.
We’ll pay $500 toward closing costs if you have an Ally account.
Save $500 at closing if your account has been open for at least 30 days, and your credit application is reviewed and approved. This can’t be combined with other offers, and we can end this offer any time.
We have options.
You don’t have to go far to find the right home loan.
Consider if you’re looking for consistent monthly payment and a rate that won’t change over the life of your loan.
Consider if you plan on moving or refinancing in 5, 7 or 10 years and want to pay less in interest than you would with a fixed rate loan.
If a higher-priced home means you need a larger loan, we also offer competitive rates on jumbo loans.
We’ll help you get the home you want. Whether you’re buying your first home or vacation property, we offer programs with down payment options as low as 3%.
Your rate is based on today's mortgage rates and current housing market, but we also factor in your credit score, property location, loan amount, type and term to get you a personalized, up-to-date rate.
The interest rate is the rate of interest charged on a home loan and can be fixed or variable, depending on which loan you choose.
The APR is a measure of the cost to you for borrowing money, the APR includes your interest rate, points, fees and other charges associated with your loan – that’s why it’s usually higher than your interest rate.
You can get pre-approved completley online. Fill out our online application, and if you're approved, you'll be able to access your pre-approval letter within minutes.
What you should know about getting pre-approved with us:
We’ll check your credit. During pre-qualification we only perform a soft credit check, which does not affect your score. Later on in the process we may perform a hard credit check (with your permission, of course). Keep in mind, any other home loan credit checks within 30-45 days are treated as one inquiry, so multiple inquiries during this time won’t additionally impact your score.
There are no fees or documents needed to get pre-qualified. We'll only ask for documents if you want to move forward with your application.
Every situation is different, but when we review your home loan application, we look at your:
Credit score. This is determined by things like payment history and how long you’ve had credit. We’ll use this number to figure out how likely you are to pay back your loan and what interest rate you'll get.
Debt-to-income ratio. This percentage is your total monthly expenses divided by your gross monthly income.
Down payment. This is the amount paid up front when you purchase a home and isn't part of the loan. The higher the down payment, the less risky you seem to a lender — which could mean a lower interest rate, too.
Employment history. We want to make sure you’ll be able to afford your home, so proof of income is important.