• Avoid Common Home-Buying Mistakes

  • Choosing a lender at random

    It's easy to select the first lender willing to approve you for a mortgage, but it's important to shop around for the lowest rates and best options for your financial needs.

    Not checking your credit report

    Your credit history is a big factor when getting approved for a mortgage. Lenders tend to favor borrowers with a history of regular, on-time payments to creditors. Knowing where you stand will increase your bargaining power.

    Losing to a better offer

    Getting prequalified is the first step to becoming a credible potential buyer in the eyes of a seller. Failing to take steps to secure financing for the home of your dreams may jeopardize your competitiveness against others seeking to buy the same home. To avoid this common pitfall, check out our easy prequalification system below, which will provide you with a printable prequalification letter to use when you make an offer.

    If you're ready to maximize your home-buying potential, choose from one of our easy prequalification methods:

    • Fill out the short form on the right.
    • Call us toll-free at 1.888.321.FUND.

    Have questions first? Call us toll-free at 1.888.321.FUND. One of our experienced loan consultants will be happy to answer any questions you may have about qualifying for a mortgage so that you can make the best decision to fit your unique financial situation.

    Back to Homebuyer's Guide
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  • Important Disclosures

    It is important to know that with Adjustable-Rate Mortgages, your payment and rate may increase significantly over time.

    Not all applicants will qualify for financing. Mortgage rates and terms are subject to change without notice.

    Mortgages with LTVs higher than 80% with no PMI may generally have a higher interest rate and/or fees than other mortgages. This may result in a loan without mortgage insurance being more costly for a borrower who intends to remain in the property for a longer period of time. A borrower who intends to remain in the property for a shorter period of time may find that the extra interest cost is lower than the amount of PMI payments for that period of time.

    Mortgage escrow accounts are created so that you can pay your yearly property taxes, homeowner’s insurance and mortgage insurance in monthly installments throughout the year, rather than all at once. When these bills are due, we disburse the funds from your escrow account to pay the taxes and insurance in a lump sum. If there is a requirement for a mortgage escrow account at closing, it will be required to be maintained for five (5) years after closing.

    The rates displayed may require the establishment of an escrow account upon closing. If you choose to pay taxes and insurance separately, you will be responsible for timely payments, which may be substantial.

  • Home Loan Products

    Jumbo Loans

    Purchase your dream home with a jumbo loan up to $5 million. Benefits include customized home loan decision making. Loan Products include fixed-rate and adjustable-rate mortgages (ARMs) with an initial fixed-rate period offering either amortizing or interest only payment options.

    Learn More

    Adjustable-Rate Mortgage

    Purchase your new home with a competitive introductory rate on an adjustable-rate mortgage (ARM) with an initial fixed-rate period. Benefits include competitive rates and low payments for an initial fixed-rate period. Initial interest-only payment options are available for jumbo loans.

    Learn More

    Fixed Rate

    Secure a competitive fixed-rate mortgage on your new home. Available on conforming and jumbo loan balances. Benefits include competitive rates, predictable monthly payments and protection from interest rate fluctuations. There are a wide selection of repayment terms available including 30, 25, 20, 15 and 10 year options.

    Learn More