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Competitive mortgage rates for home purchases. Conventional, FHA, VA & jumbo loans. Expert loan officer guidance. Get pre-approved today!
Mortgage Calculators
Loan Basics
The total amount you're borrowing
Use the slider or enter manually. Current rates typically range from 6-7%
Property Costs
Typically 1-2% of home value annually. Check your county assessor's website.
Average cost: $1,200-$2,000/year. Get quotes from insurance providers.
Monthly Principal & Interest
Your base loan payment
Total Monthly Payment
Including taxes, insurance, and fees
Ready to Get Started?
Get qualified and discover exactly what you can afford
*Estimates are for informational purposes only. Actual rates and payments may vary. Not a commitment to lend.
Principal vs Interest Over Time
Amortization Overview
Total Interest Paid
$318,861
Total Amount Paid
$694,861
Payoff Date
Dec 2055
Available Purchase Loan Products
Conventional 30-Year Fixed
Standard 30-year fixed rate mortgage
Key Benefits:
- Predictable monthly payments
- Lower down payment options
- Widely available
Types of Purchase Loans
Conventional
Traditional mortgages not backed by the government. Typically require 3-20% down payment and good credit.
- • 3% down payment options
- • 15 or 30 year terms
- • Fixed or adjustable rates
- • Conforming loan limits
FHA
Government-backed loans ideal for first-time buyers. Lower down payment requirements and more flexible credit standards.
- • 3.5% down payment
- • Credit scores 580+
- • Lower closing costs
- • Gift funds allowed
VA
Exclusive benefits for veterans, active-duty service members, and eligible spouses. No down payment required.
- • 0% down payment
- • No PMI required
- • Competitive rates
- • Flexible credit requirements
Jumbo
For high-value properties exceeding conforming loan limits. Typically require larger down payments and excellent credit.
- • Higher loan amounts
- • 10-20% down payment
- • Strong credit required
- • Competitive rates available
The Home Buying Process
Get Qualified
Start by getting pre-qualified to understand how much you can afford. This gives you a clear budget and shows sellers you're a serious buyer.
Find Your Home
Work with a real estate agent to find the perfect home within your budget. Your pre-qualification letter strengthens your offer.
Make an Offer
Once you find your home, make an offer. With pre-qualification, you can move quickly and confidently.
Complete Your Application
After your offer is accepted, complete your full mortgage application. We'll guide you through all required documentation.
Processing & Underwriting
We'll process your loan, order an appraisal, and work with underwriters to get your loan approved.
Final Approval & Closing
Once approved, we'll schedule your closing. Sign the final documents and get the keys to your new home!
Why Choose Us for Your Home Purchase?
Fast Pre-Approvals
Get pre-approved quickly so you can shop with confidence and make competitive offers in today's market.
Competitive Rates
Access competitive mortgage rates across all loan types. We shop multiple lenders to find you the best deal.
Expert Guidance
Work with an experienced loan officer who will guide you through every step and answer all your questions.
Streamlined Process
Our efficient process helps you close on time. We handle the details so you can focus on finding your dream home.
Ready to Buy Your Home?
Let's get you pre-qualified and on your way to homeownership. I'll help you find the perfect loan for your situation.
Get In Touch
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Piero Cornejo
Branch Manager
I specialize in helping homebuyers find the perfect mortgage for their purchase. Whether you're a first-time buyer or looking to upgrade, I'll guide you through the process and find the best loan option for your situation.