We offer the best loan options for you to own a home in America.
Most common mortgage type. Usually requires 5-20% down payment. High credit score is advantageous.
Who Can Apply: Buyers with good credit score
Federal Housing Administration backed. Can apply with low down payment and low credit score.
Who Can Apply: First-time buyers, low credit score
Veterans Affairs backed. For active/retired military. No down payment required.
Who Can Apply: Military personnel and families
For homes in rural areas. No down payment required. Income limits apply.
Who Can Apply: Rural area buyers
For loans above conforming limits. Used for high-value home purchases.
Who Can Apply: High-budget buyers
Renew your existing mortgage with better terms. Lower monthly payments or cash-out option.
Who Can Apply: Current homeowners
Rates may change daily. Apply for your current personalized rate.
| Loan Type | Rate (%) | APR (%) | Points |
|---|---|---|---|
| 30-Year Fixed | 6.875% | 6.950% | 0.00 |
| 15-Year Fixed | 6.125% | 6.250% | 0.00 |
| FHA 30-Year | 6.500% | 7.200% | 0.00 |
| VA 30-Year | 6.250% | 6.500% | 0.00 |
| Jumbo 30-Year | 7.125% | 7.250% | 0.25 |
| 5/1 ARM | 6.375% | 7.100% | 0.00 |
Last updated: 06.04.2026
We determine how much loan you can get based on your income and credit status.
We research and visit homes within your budget.
We prepare an appropriate price offer for the home you like.
Your loan application is reviewed in detail by the bank.
All documents are signed and the loan is approved.
The keys to your new home are yours! Congratulations!
Yes, if you have an ITIN number, you can get a mortgage through certain programs. FHA and some Conventional programs accept ITIN.
With FHA 3.5%, VA and USDA 0% down payment is possible. Conventional loans range from 5-20%.
Average 30-45 days. Pre-approval is usually obtained within 1-3 business days.
Last 2 years tax returns, pay stubs, bank statements, ID, and employment verification are required.
FHA loans accept 580 credit score. Lower scores may require 10% down payment. We also offer credit score improvement consulting.
Yes! Foreign nationals can buy homes in the US through special programs. Usually 25-30% down payment is required.