Resources
Mortgage resources
Tools and guides to help you navigate the home financing process.
Estimate your monthly payment
Use our mortgage calculator to estimate your monthly payments. Adjust the home price, down payment, interest rate, and loan term to see how they affect your payment.
Remember, this calculator shows principal and interest only. Your actual payment may include property taxes, homeowners insurance, and mortgage insurance.
Your numbers
Estimated Monthly Payment
$2,023
Principal & interest only. Does not include taxes, insurance, or PMI.
Helpful guides
Free guides to help you understand the mortgage process.
First-Time Homebuyer Guide
A comprehensive guide covering everything from saving for a down payment to closing on your new home.
Read the guideUnderstanding Loan Types
Learn the differences between conventional, FHA, VA, and jumbo loans to find the right fit for you.
Read the guideCredit Score Improvement
Tips and strategies to improve your credit score before applying for a mortgage.
Read the guideRefinancing Checklist
Everything you need to know and prepare when considering a mortgage refinance.
Read the guideCommon questions
How much down payment do I need?
Down payment requirements vary by loan type. Conventional loans typically require 3-20%, FHA loans require as little as 3.5%, and VA loans may require no down payment at all for eligible veterans.
What credit score do I need to qualify for a mortgage?
Credit score requirements vary by loan type. Generally, you need a minimum score of 620 for conventional loans, 580 for FHA loans with 3.5% down, and VA loans have no minimum score requirement (though most lenders prefer 620+).
How long does the mortgage process take?
Most purchase loans close in 30 to 45 days from a complete application, and refinances typically close in about 30. Having your documents ready up front is the single biggest thing that keeps a file on schedule.
What documents do I need to apply?
Common documents include: proof of income (pay stubs, W-2s, tax returns), bank statements, identification, employment verification, and information about your assets and debts.
What is PMI and how can I avoid it?
Private Mortgage Insurance (PMI) is typically required when your down payment is less than 20%. You can avoid PMI by making a 20% down payment, choosing a VA loan (no PMI), or exploring lender-paid PMI options.
Should I get pre-approved before house hunting?
Yes. A pre-approval shows sellers you are a serious buyer, tells you what you can realistically offer, and takes days off the closing timeline once you are under contract.
Still have questions? Talk to us.
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