Home Mortgages

A simpler, faster way to get a mortgage.

Complete your application in as little as 15 minutes and pay no lender fees.

We’ve pressed fast forward on loan applications.

Our modern mortgage experience simplifies buying, so you can focus on living.

Home purchase pre-approval question screens from the application.

Applying is simple and can be completed 100% online anytime, from anywhere.

No lender fees - no application, origination, processing, or underwriting fees (unlike most big banks and lenders)
Get pre-approved in as little as 3 minutes
Close typically up to 10 days faster than industry average
Reliable support from a team of home loan experts

The path to homeownership is easier than you think.

Set a realistic home-buying budget.

Before setting your sights on a home, estimate your budget , or estimate your monthly payment if you already have a price range in mind.

Get pre-approved in as little as 3 minutes.

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.

Documents you may need

Sign at closing and receive your keys.

For closing, you’ll finalize everything in person. We’ll let you know where to go and what you’ll need to bring (besides a pen). When all closing paperwork is signed, then comes the fun part: You’ll get the keys to your new home so you can enjoy the exciting next step in your journey.

We're here to make you feel at home.

Give our team a call at 1-855-283-2559 Monday - Friday, 8 am - 10 pm ET and Saturday 10 am - 4 pm ET.

Your home, your terms.

We offer numerous loan types and term lengths to suit your needs.

Fixed-Rate

Consider if you’re looking for consistent monthly payment and a rate that won’t change over the life of your loan.

Adjustable Rate

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.

Jumbo Loans

If a higher-priced home means you need a larger loan, we offer jumbo loans up to $4 million.

Take a closer look at jumbo loans

We’ll help you get the home you want.

We offer down payment options as low as 3%.

Learn about the HomeReady ^® Mortgage program

Home loan rate roundup.

Enter your specifics to see more accurate homebuying rate options.

These rates are based on a home loan for a , with in .

Enter your specifics to see more accurate purchase rate options:

Customize your rate

Customized mortgage rates

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Crunch the numbers.

Get a better idea of money matters before you take the next step.

Monthly Payment Calculator

It helps to have an idea of what your payments could be so you can set a realistic budget.

Affordability Calculator

We look at your income and financial obligations to estimate how much house you can afford.

There are a few things first-time homebuyers should know before house hunting.

Check out tips, tools and other insights about homeownership.

FAQs

We have answers.

You can get pre-approved completely 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-approval 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 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.
Your rate is based on today's mortgage rates and current housing market. To get you a personalized, up-to-date rate, we also factor in your credit score, property location, property type, loan amount, loan type, term, and loan-to-value (LTV) ratio. The LTV ratio is the percentage of your current principal loan balance (based on your down payment, if purchasing) compared to your home’s original value.

More on interest rates
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.
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. Your score is one of a few factors we'll use 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 amount you put down plays a part in which home loan type you qualify for and whether or not you’ll need mortgage insurance.

Employment history. We want to make sure you'll be able to afford your home, so proof of income is important.
Yes. Fannie Mae's HomeReady® Mortgage program is designed to help first-time buyers and those who have limited down payment funds or unique circumstances.

The details:

Standard loan terms. We offer 20-year and 30-year fixed rate terms for this program.

Flexible down payment options. You may be able to put as little as 3% down with the potential to save on private mortgage insurance (PMI).

Homeownership education course. To help set you up for financial success, you'll need to complete an online education course as a requirement for your loan.

Get started online today.
This is when you pay less upfront and, in exchange, receive money from your lender at closing to help you cover costs and fees. This, in turn, makes the interest rate on your loan higher.

For example, if you are considering a $200,000 loan amount and see one interest rate has a 0.250 credit, that would be $200,000 multiplied by 0.0025, equaling a $500 reduction in your closing costs.
Also known as discount points, points are upfront fees calculated as a percentage of your total loan amount and paid directly to the lender at closing in exchange for a reduced interest rate. You have the option to choose the number of points and how many you buy when discussing rate options with your home loan expert.

For example, if you are considering a $200,000 loan amount and see one interest rate costs 0.500 points, that would be $200,000 multiplied by 0.005, equaling $1,000 added to your closing costs.

Still have questions? Visit our Help Center .