Finance your home purchase with competitive rates and flexible terms.
$100K – $3M
Loan Amount
6.5% – 8.5%
Typical APR
15 – 30 years
Loan Term
21 – 45 days
Funding Time
A residential mortgage is a long-term loan used to purchase or refinance a home. With fixed or adjustable rates and terms up to 30 years, it allows buyers to spread the cost of a property over time. Your home serves as collateral, enabling lower interest rates than unsecured financing.
Minimum Credit Score
620+
Home Purchase
Buy a primary residence, second home, or vacation property
Refinancing
Replace an existing mortgage with better terms or lower rate
Cash-Out Refinance
Tap into your home equity while refinancing your mortgage
New Construction
Finance a newly built home from a developer or builder
FHA Loans
Low down payment options backed by the Federal Housing Administration
VA Loans
Zero down payment mortgages exclusively for veterans and military
From application to funding — here is exactly what to expect when applying for a Residential Mortgage.
Submit income, credit, and asset documents to receive a pre-approval letter for your target price range.
Shop for homes confidently knowing your financing is in place. Make an offer with your pre-approval.
The lender verifies your financials and orders a property appraisal to confirm the home's value.
Sign the closing documents, pay your down payment and closing costs, and receive your keys.
Min. Credit Score
620+
Down Payment
3% – 20%
Debt-to-Income Ratio
Below 43%
Employment
Stable 2-year history
Property Type
1–4 unit residential
Appraisal
Required
Advantages
Long repayment terms keep monthly payments low
Fixed rate options protect from rate increases
Interest may be tax deductible
Builds equity over time
Considerations
Long approval process (21–45 days)
Requires significant documentation
Down payment and closing costs required upfront
Submit your application in under 10 minutes and get matched with top lenders offering competitive rates tailored to your profile.