Who it is for
- You are buying a primary home, a second home, or — with different rules — a rental.
- You want someone to compare lenders instead of taking the first bank’s offer.
- You want a pre-qualification before you shop, so your agent knows a range.
How it usually works
- Tell us the state, how you will use the home, and what you hope to spend.
- We look at income, debts, cash for the down payment and closing, and credit in general terms.
- You choose a direction. The full application, credit pull, and Loan Estimate happen in the secure portal, not on this marketing site.
Read this before you get attached
- A pre-qualification is not a commitment to lend. The property, the appraisal, and underwriting still have to work.
- Earnest money, inspections, and the closing date are part of the contract. Coordinate them with your agent and with us.
Questions worth asking
- What cash do I need on top of the down payment?
- How long do you need between contract and closing?
- Which loan should I not use, given how long I plan to stay?