Financing Options - Mortgages & Loans

Pre-Qualification Calculator

Estimated buying power: $350,000

*This is an estimate. Actual pre-qualification requires full application and verification.

Standard mortgages backed by private lenders, not government programs.

Federal Housing Administration insured loans for first-time buyers and those with lower credit.

Department of Veterans Affairs loans for active military and veterans.

USDA-backed mortgages for rural and suburban homebuyers with moderate income.

Initial fixed rate for a period, then adjusts based on market conditions.

Specialized financing for rental properties and real estate investments.

15, 30 yrs

Even a 50-point credit improvement can save you thousands in interest. Pay bills on time and reduce debt.

A larger down payment means lower monthly payments and potentially better interest rates.

Shop around with multiple lenders. Rates vary significantly and you can negotiate terms.

Once you find favorable rates, lock them in to protect against rate increases during your application.

Look at total interest paid, not just monthly payments. Sometimes shorter terms save more money overall.

Compare origination fees, appraisal fees, and closing costs. Some lenders hide fees in the rate.