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Rates & Services

Check Rates With Our Loan Consultant

The Loan Consultant feature determines the products and rates that match your needs. Please take a moment to answer the following questions to take the guesswork out of product and rate selection.

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Loan

Enter loan information.

Loan Purpose Purchase:
A mortgage that enables the borrower to acquire a property, rather than refinance or pay for home improvements.
Refinance:
The process of obtaining a new mortgage, usually at a lower rate, to repay and replace an existing mortgage.
Home Equity:
A loan based on the borrower's equity in his or her home.

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Preferred Financing

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Conventional Any mortgage that is not insured or guaranteed by the federal government.
chkVAHiddenLabel VA A loan guaranteed by the Veteran's Administration with little or no down payment. These loans are available only to qualifying veterans for the purchase or refinance of a home, which is for their own personal occupancy. A VA funding fee is required.Are you a veteran?

Cost of New Home

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Down Payment

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Seller Paid Closing Costs An agreement by the Seller of a property to pay a certain amount toward the loan closing costs typically paid by a Borrower to secure a loan.

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Home Value

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Mortgage Remaining

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Refinancing Amount

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Home Value

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Mortgage Remaining

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Amount Requesting

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Do you currently have a Home Equity Loan or Line of Credit that will remain or will you be obtaining one during this mortgage transaction? A Home Equity Loan or a Home Equity Line of Credit are examples of subordinate financing. These loans are often recorded after your first mortgage which makes them "subordinate". These loans are also called Second Mortgages.

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YesNo

Existing Subordinate Loan Information

Enter existing subordinate loan information.

Loan Balance

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Loan Monthly Payment

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If HELOC, Maximum Credit Limit

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New Subordinate Loan Information

Enter new subordinate loan information.

Loan Amount

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Loan Monthly Payment

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If HELOC, Maximum Credit Limit

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Property Details

Enter property information.

Select the state where the property is located:

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Select the county where the property is located:

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How was the home constructed? Site Built
A home built and assembled primarily on its permanent site; may include some prefabricated components.
Manufactured Home
Any dwelling built on a permanent chassis and attached to a permanent foundation system is a "manufactured home" for the purposes of residential loan applications. Other factory- built housing (not built on a permanent chassis) such as modular, prefabricated, panelized, or sectional housing is not considered manufactured housing. A manufactured home must be a one-family dwelling that is legally classified as real property. The towing hitch, wheels, and axles must be removed and the dwelling must assume the characteristics of site-built housing. The land on which the manufactured home is situated must be owned by the borrower in fee simple, unless the manufactured home is located in a cooperative or condominium project.
There is no home on the property, it's unimproved land
Refers to a portion of land or a "finished lot" that does not have a dwelling on it. Typically the land will have road access and utilities in place to the lot boundary. Additionally, it will have been approved by the city or county as a separate parcel of land, on a parcel map.

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Site Built (typical for single family homes, condos, etc.)
Manufactured Home
There is no home on the property, it's unimproved land

Is the property located within any of the following? It's not located in any of the other options (typical for single family homes)
The property is not located in a project such as Condominium/Condo, Cooperative/Co-op, or Planned Unit Development / PUD. Choose this option if you are not sure what to select.
Condominium / Condo
A form of property ownership in which the owner holds the title to an individual dwelling, plus interest in common areas of a multi-unit project.
Planned Unit Development / PUD
A housing development, where there is a homeowners' association and common areas owned by the homeowners.

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It's not located in any of the other options (typical for single family homes)
Condominium / Condo
Planned Unit Development / PUD

Does the home share walls with another home that is owned by someone else? No, this property is detached (typical for single family homes)
A structure or single unit that does not share walls with any other homes.
Yes, this home is attached to another home
A structure or single unit that shares one or more walls with another home.

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No, this property is detached (typical for single family homes)
Yes, this home is attached to another home

What is the manufactured home's width?

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Multi Wide / Double Wide
Single Wide

How will you use the property? It's my primary residence
Primary residence is a property that you physically occupy and use as your home.
It's a second home or vacation home
Second home/vacation home is a property that is not your primary residence and that you occupy less than six months a year.
It's an investment or rental property
A property that is not occupied by the owner and, in some cases, receives income from the property.

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It's my primary residence
It's a second home or vacation home
It's an investment or rental property

Number of Units

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FHA Additional Information

Enter FHA additional information.

Purchase Price

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Home Purchased MM/YYYY

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Refinancing an Existing FHA Loan?

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YesNo

An FHA Streamline Refinance allows you to refinance an existing FHA loan without an appraisal. If unsure, select no.

Continue with Streamline Refinance?

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Years remaining on current FHA Loan

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Veteran Information

Enter veteran information.

Type of Veteran

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Entitlement Amount The amount of guaranty available is determined by The Department of Veterans Affairs and is based on the entitlement that appears on the Veteran's Certificate of Eligibility. The system calculation assumes you have full entitlement available. During processing of your loan, your available entitlement is verified, and the loan amount you qualify for will adjust as needed.

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Dependents Persons who rely upon you for financial support. NUMBER OF

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Have you had a previous VA Loan?

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YesNo

Has the VA granted you an exemption from paying the VA Funding Fee? An exemption from paying the VA Funding Fee may be verified with: 1) VA Form 26-8937, Verification of VA Benefit-Related Indebtedness indicating the borrower's exemption status. 2) An award letter issued within 1 year of the date of the loan application indicating the veteran is entitled to receipt of VA disability compensation. 3) For a veteran who elected service retirement pay instead of VA compensation, a copy of the original VA notification of disability rating and documentation of the veteran's service retirement income. 4) Indications on the Certificate of Eligibility that the borrower is entitled as an "unremarried surviving spouse".

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YesNo

What type of mortgage will be paid off?

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Construction

Enter construction information.

Date Lot Acquired

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Current Value of Lot

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Cost of Improvements

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Estimated Value after Construction is Complete

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Length of Construction

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Do any of the above amounts include reimbursements for costs you have already incurred?

Amount of Reimbursement

Total Estimated Costs

Loan Amount Excluding Interest Reserves An amount of funds included in a construction loan, which may be applied to Borrower's interest payments due during the Construction Phase. The interest reserve amount is calculated by the Lender and may be included in the construction loan amount under certain conditions.

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Purchase Price of Lot

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Cost of Improvements

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Total Estimated Costs

Length of Construction

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Loan Amount Excluding Interest Reserves An amount of funds included in a construction loan, which may be applied to Borrower's interest payments due during the Construction Phase. The interest reserve amount is calculated by the Lender and may be included in the construction loan amount under certain conditions.

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Mortgage Rates

The Loan Consultant feature determines the products and rates that match your needs.

Ready to Start?

To apply for your easy online loan, all you have to do is answer a few simple questions about yourself, your property and your income, debts and assets.

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