Every buyer is different. Here's a clear breakdown of our core programs — who they're for, and what the terms typically look like.
For buyers with good credit and a steady income looking for the lowest long-term cost.
Apply for conventionalFor first-time and lower-down buyers who want flexible credit requirements.
Apply for FHAFor homeowners who want to lower a rate, shorten a term, or tap equity.
Apply to refinanceFor people buying their very first home who want extra guidance and help.
Get startedIllustrative pricing for a well-qualified borrower. Your actual rate depends on credit, down payment, property, and market conditions.
| Program | Term | Rate (example) | Min. down |
|---|---|---|---|
| Conventional Fixed | 30-year | 6.250% 6.412% APR | 3% |
| Conventional Fixed | 15-year | 5.500% 5.689% APR | 3% |
| FHA Fixed | 30-year | 5.990% 6.842% APR | 3.5% |
| VA Fixed | 30-year | 5.875% 6.103% APR | 0% |
| Jumbo Fixed | 30-year | 6.500% 6.598% APR | 10% |
| Refinance Rate & term | 30-year | 6.375% 6.501% APR | — |
Rates shown are examples for illustration only, assume a 740+ credit score and a single-family primary residence, and are not a quote, lock, or commitment to lend. APR reflects estimated costs over the loan term. Rates change daily. Get a personalized quote by starting an application.
The things buyers ask us most — no fine print, no runaround.
It depends on the program. Conventional loans can go as low as 3% down for qualified first-time buyers, FHA starts at 3.5%, and VA loans can require nothing down at all. We'll walk you through the lowest option you actually qualify for.
Checking your rate is a soft inquiry and won't affect your score. A full application involves a hard pull, but we'll always tell you before that happens so there are no surprises.
Our average is 14 days from a complete application to closing. Some loans move faster, some take a little longer depending on appraisal and documentation — but we'll give you a realistic timeline up front and keep you posted.
It varies by program. Conventional loans generally start around 620, FHA can go to 580 or lower, and VA is flexible. If your score isn't there yet, we'll give you a clear plan to get you ready.
Often, yes. If rates have dropped or your situation has changed, a refinance can still make sense within the first year. We'll run the numbers and tell you honestly whether it's worth it for you.
The basics: recent pay stubs, W-2s or tax returns, bank statements, and ID. If you're self-employed or have other income, we'll let you know exactly what to gather. The application itself takes about ten minutes.
Tell us a bit about your situation and we'll point you to the right loan — no pressure, no obligation.
Talk to a loan officer