FAQs

In most cases your monthly payment will include loan principal and interest. If your loan has private mortgage insurance, it will also be included.

Your mortgage payment due date is listed on your monthly billing statement or coupon. A late charge is assessed if the payment has not been received and processed by the date noted. It is very important that you establish and maintain good credit by making sure your payment reaches us by the due date each […]

DTI stands for debt-to-income ratio. It is the percentage of your gross monthly income that goes toward monthly debt payments and obligations. It factors in things like rent or mortgage payments, auto loans, credit card payments and alimony/child support payments. A smaller debt-to-income ratio improves your chances of qualifying with an advantageous rate.

Very likely. Qualification depends on a number of factors, but we offer loans with lenient credit requirements. For example, you may be able to qualify for an FHA loan with a credit score as low as 500.

Yes. We offer a wide selection of loan products, including options with low down payments and no down payment.* *Closing costs and fees may still apply.

The application process can be initiated by clicking on any of the apply now buttons on this site.

Rates are based on a variety of factors such as the loan purpose, your credit history and ability to repay, the value of the collateral and the loan amount.

Prequalification means a lender has given you an estimate of how much you may qualify to borrow. Pre-approval is more official and means the lender has collected more info and sent it through underwriting.

Absolutely. We provide a variety of options to lock in your interest rate. Locking your rate means that the lender is agreeing to provide you with your mortgage at that particular rate, and that it won’t go up (or down) between the time you lock it and the time that you close on your home. […]

APR is short for Annual Percentage Rate. APR represents the cost of a loan over a year. It includes the interest rate as well as other costs and fees that come with your loan.