FAQ

Can I buy a home without a large down payment?

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.

What is included in my monthly payment?

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

What is the difference between prequalification and pre-approval?

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.

Can I get a loan if my credit isn’t great?

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

What are closing costs?

Closing costs will vary depending on your situation, but they often include origination fees, appraisal fees, title insurance fees and more. You will receive an estimate of closing costs in advance so you know what to expect.

What are popular loan options?

We offer hundreds of loan programs so we can meet the unique needs of each customer. Common options include:

  • Conventional loans
  • FHA loans
  • VA loans
  • USDA loans
  • Jumbo loans
  • Renovation loans