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Whether you're buying, refinancing, or tapping into equity, find the best mortgage rates for your situation.

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Mortgage requirements

Credit & Down Payment

Credit score: 620+ for conventional, 580+ for FHA
Down payment: 3% minimum for conventional loans
FHA loans: 3.5% down with 580+ credit score
VA & USDA loans: 0% down for eligible borrowers
Debt-to-income ratio typically below 43%

Income & Documentation

2 years of consistent employment history
Pay stubs from last 30 days
W-2s or tax returns (last 2 years)
Bank statements (2-3 months)
Self-employed: 2 years of tax returns & P&L statements

Types of mortgages

Home Purchase

Finance your dream home with competitive rates. Choose from conventional, FHA, VA, or USDA loans.

Refinance

Lower your rate, reduce your payment, or switch from adjustable to fixed-rate mortgage.

Home Equity Loan

Borrow against your home's equity with a fixed rate and predictable monthly payments.

HELOC

Flexible line of credit secured by your home. Draw funds as needed during the draw period.

Frequently Asked Questions About Mortgages

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Related Guides and Tools

Learn more about mortgages and home buying to make informed decisions.

Mortgage Calculator

Estimate your monthly payment including principal, interest, taxes, and insurance.

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First-Time Buyer Guide

A comprehensive guide for first-time homebuyers covering the entire process.

Read Guide

Refinance Guide

Learn when refinancing makes sense and how to calculate potential savings.

Read Guide
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