Getting Started

For many, homeownership means investing in the future. The equity you build is yours to keep. While it may be more challenging to buy a home early in life, owning a home offers the potential to help build a healthy financial future and peace of mind.

The first stage in applying for a mortgage is typically prequalifying for one. Your credit score determines your interest rate, loan choices, and your minimum down payment. Ultimately, the maximum size of your loan amount will be determined by your debt-to‐income ratio (DTI), which is the percentage of monthly gross income that goes towards paying debts. Typically, the lower your DTI, the more you may be eligible to borrow and the more financing options may be available to you.

If you are self-employed, optimizing your savings, credit score, down payment; minimizing your debts; and maintaining an up-to-date profit‐and-loss statement is a good strategy. Your income will generally be computed using your past two tax returns.

Loan Programs

Learn about some of our many mortgage options.

Conventional Loans

This program isn't guaranteed or insured by the federal government and typically has lower costs than other popular loan types. It's a good option for homebuyers with strong credit and minimum debts.

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FHA Loans

With as low as 3.5% down payment and flexible qualification requirements, FHA loans are popular among first-time homebuyers and those with low-to-average credit.

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VA Loans

This program is available to veterans and active-duty service members. There's no down payment in most cases, plus the VA borrower's closing costs are capped to help reduce out-of-pocket costs.

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