DESIGNED TO FIT ALL BUYERS
Home Loan Mortgages
Looking for your first mortgage, moving to your forever home, or ready to refinance your existing mortgage? We have options available to you. Our mortgage specialists can help you choose the right mortgage for your specific needs. To contact a mortgage specialist today call 833-962-HOME.
OPTIONS FOR ALL HOME BUYERS
Mortgage LOAN TYPES
Bridge Loans
Government Loans
First-Time Homebuyer
Refinancing a Home
Buydown Option
What is a Home Loan Mortgage?
Most buyers afford their home with the help of a mortgage, which is a home loan that you pay back over a number of years. Your mortgage payment typically includes principal, interest, taxes, and insurance.
How Do Interest Rates Impact My Mortgage?
Even a small difference in the interest rate could mean you pay thousands (even tens of thousands!) more or less in interest over the life of the loan. Use our calculator to see how half a percent could affect what you owe on a 30-year, fixed-rate mortgage.
What is Debt-to-Income Ratio?
Your debt-to-income ratio, or DTI, equals your monthly debt payments divided by your gross income (pre-tax monthly income), and is expressed as a percentage. Lenders use this number to determine your ability to afford your debt payments.
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† DISCLOSURES:
*Not everyone that applies will qualify for the rates shown. Rates shown are based on an applicant FICO score of at least 720 for an owner-occupied home purchase, with a loan amount of $400,000 and a loan-to-value ratio of no more than 75%. Rate locks do not exceed 60 days. Rates are subject to change at any time.
Mortgage loans are offered by Firstrust Bank NMLS # 424205. All loans are subject to individual credit approval. Pre-qualification is not a commitment to lend. Offer may not be combined with any other offer and may be revised or rescinded at any time without notice.
Firstrust National Licensing Service (NMLS Representatives)
Based on a $400,000 30-year fixed-rate mortgage with a Note Rate of 6.000% for a 6.065% APR, there would be 360 monthly payments of $2,398.20. The payment amounts are principal and interest payments only. They do not include amounts for insurance and taxes.
Based on a $400,000 15-year fixed-rate mortgage with a Note Rate of 5.500% for a 5.604% APR, there would be 180 monthly payments of $3,268.33. The payment amounts are principal and interest payments only. They do not include amounts for insurance and taxes.
A Federal Housing Administration (FHA) loan is a government-backed home loan with more flexible down payment and credit requirements than other conventional loans. FHA loans may have a higher interest rate and borrowers will have to pay an upfront mortgage insurance fee and monthly mortgage insurance premiums.
Based on a $350,000 30-year fixed-rate mortgage with a Note Rate of 5.875% for a 6.723% APR, there would be 360 monthly payments of $2,353.12. The payment amounts are principal and interest payments only. They do not include amounts for insurance and taxes.
Rates shown are based on an applicant FICO score of 680 for an owner-occupied, 3.5% down payment, a total loan amount of $356,125 which includes a financed upfront mortgage insurance fee of $6,125, and a monthly mortgage insurance premium of $163.22. Rate locks do not exceed 60 days. Rates are subject to change at any time.