Individual mortgage strategies, for the individuals we serve.
Thousands of loans financed, helping Americans find, keep and afford their homes. The payment table and the full document list are published further down this page, because those are the two things everybody wants settled before they will pick up the phone.
Purchase · Refinance · Pre-approval · NMLS 2381991
Before you call
The payment illustrator
What the payment actually works out to.
Three loan sizes against three rates, on a 30-year fixed term. Nobody in the category publishes this, and it is the first sum every borrower does in their head badly. Read across from your loan size and down from your rate.
| Loan amount | 6.00% | 6.50% | 7.00% |
|---|---|---|---|
| $250,000 | $1,499 | $1,580 | $1,663 |
| $400,000 | $2,398 | $2,528 | $2,661 |
| $650,000 | $3,897 | $4,108 | $4,324 |
Illustrative only. Monthly principal and interest on a 30-year fixed term, rounded to the nearest dollar, computed with the standard amortisation formula. It excludes property taxes, homeowners insurance, mortgage insurance, HOA dues and closing costs, so a full monthly payment will be higher. These are not quoted rates and not an offer of credit.
What we do
The three things we do.
The paperwork, published
Everything you will be asked for.
The delay in almost every mortgage is documents arriving late rather than anything a lender does. Gather these and you are most of the way there.
Before you apply
The questions everybody has.
What credit score do I need?
Lower than most people assume, and the programme matters more than the number. Government-backed loans reach considerably further down than conventional ones, and the honest answer requires looking at your actual report rather than guessing from a range.
How much do I need for a down payment?
It depends on the programme. There are routes with very little down and routes where more down buys a materially better rate, and which is right depends on how long you plan to keep the loan.
Are the figures in the table my rate?
No. They are arithmetic, not an offer. The table shows what the standard amortisation formula produces for those loan sizes and rates on a 30-year term, so you can see the shape of a payment before anybody quotes you anything.
Should I get pre-approved before I look at houses?
Yes, and it is the single most useful thing you can do early. It tells you the real number rather than the aspirational one, and in a competitive market an offer without one is often not read.
Will applying hurt my credit?
A mortgage inquiry has a small, short-lived effect, and multiple mortgage inquiries inside a shopping window count as one. Shopping the rate does not cost you the score.
How long does closing take?
Typically weeks rather than months once a contract exists. The variable is almost always how quickly documents come back, which is why the list is published.
General information only, not a commitment to lend. All loans are subject to credit approval, underwriting and programme requirements.
Start with the pre-approval. It costs nothing.
It tells you the real number before you fall in love with a house above it, and multiple mortgage inquiries in a shopping window count as one.
Monday to Friday, 9am to 6pm