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  • What is the difference between interest rate and APR?

    Your interest rate is the monthly cost you pay on the unpaid balance of your home loan. An Annual Percentage Rate (APR) includes both your interest rate and any additional cost or prepaid finance charges such as the origination fee, private mortgage insurance, underwriting and processing fees. (Your actual fees may not include all of the items above.) While your interest rate is the rate at which you will make your monthly mortgage payments, the APR is a universal measurement that can assist you in comparing the cost of mortgage loans offered by different mortgage lenders.

  • How current are the rates on this website?

    Our rates displayed on the site are updated each morning, Monday through Friday.

  • What does my credit score have to be?

    The lowest credit score accepted is 620, though we offer a variety of home loan options to fit your needs. Contact a loan officer for more detailed information.

  • How long will it take to close on my home?

    Typically, home loans close within 30 days of application submission.

  • What is the difference between a Loan Processor and a Loan Officer?

    A Loan Officer contacts you about your prequalification application and provides loan disclosures. Then, a Loan Processor gathers the detailed information needed for your home loan and creates your home loan file to give to underwriting. The Loan Processor is also available for any questions you may have about the loan process.

  • Why do we need an appraisal?

    A real estate appraisal helps to establish a property's market value, which helps protect both the lender and borrower from overpaying for a property.

  • Are there any local grant programs?

    Yes, there are a few grant programs that can help you with down payment or closing cost assistance. These programs are different in each of our locations and have different guidelines, so it is best for you to contact a loan officer for details.

  • When will I know the total amount I need to take to closing?

    You will receive Closing Disclosures three days before closing that will include the total amount you will need.