Your path to homeownership starts here
Mortgage Loans
Our mortgage solutions offer competitive rates, flexible terms, and personalized guidance to help you find the perfect home financing option, whether you're a first-time buyer or refinancing your current home.
Make your dream home a reality with our competitive mortgage options tailored to your financial situation and homeownership goals.
Quick Facts
Mortgage Features
Our mortgage solutions are tailored to help you achieve your homeownership goals.
Competitive Rates
Interest rates starting at 3.49% APR for qualified borrowers.
Flexible Down Payments
Options starting as low as 3% down for qualified first-time homebuyers.
Fixed & Adjustable Rates
Choose from fixed-rate mortgages or adjustable-rate options to suit your needs.
First-Time Buyer Programs
Special programs designed to help first-time homebuyers achieve their dreams.
Refinancing Options
Lower your rate, change your term, or tap into your home's equity.
Personalized Guidance
Expert mortgage advisors to guide you through every step of the process.
Our mortgage solutions are backed by experienced loan officers who will guide you through every step of the home financing process, from application to closing.
Mortgage Rates
Competitive rates designed to fit your financial needs. Rates may vary based on creditworthiness and loan terms.
Payment Calculator
Monthly Payment
$1121.22
Total Interest
$153638.00
Total Payment
$403638.00
Current Mortgage Rates
Rates effective as of 9/7/2025
| Term | Excellent Credit | Good Credit | Fair Credit |
|---|---|---|---|
| 15 Years | 3.49% | 4.49% | 6.49% |
| 20 Years | 3.74% | 4.74% | 6.74% |
| 30 Years | 3.99% | 4.99% | 6.99% |
Note: Rates shown are for illustrative purposes only. Your actual rate will depend on your credit profile, loan amount, term, and other factors. Rates are subject to change without notice.
Eligibility Requirements
Qualifying for a mortgage involves meeting specific financial and credit criteria. These requirements help us ensure you're set up for successful homeownership.
- Have a credit score of 620 or higher (580 for some FHA loans)
- Have a debt-to-income ratio below 43%
- Have stable employment and income history (typically 2+ years)
- Have sufficient funds for down payment and closing costs
- Purchase a property that meets our appraisal standards
- Plan to use the property as your primary residence (for primary home loans)
What You'll Need
Identification
Government-issued ID (driver's license, passport, etc.)
Income Verification
W-2s, tax returns, pay stubs, and employment verification
Credit History
We'll perform a credit check as part of the application process
Property Information
Details about the property you're purchasing or refinancing
Don't meet all the requirements? We may still be able to help. Contact our team to discuss your specific situation and explore alternative options.
Mortgage Application Process
We've simplified the mortgage process to help you navigate your home financing journey with confidence.
Pre-Qualification
Get an estimate of how much you might be able to borrow based on basic financial information.
Pre-Approval
Complete a formal application with documentation to receive a more accurate loan amount.
Home Shopping
Find your dream home with the confidence of knowing your budget.
Formal Application
Submit your full mortgage application with the property details.
Processing & Underwriting
We verify your information, order an appraisal, and review all documentation.
Closing
Sign your final paperwork and receive the keys to your new home.
Ready to Get Started?
Begin your journey to homeownership with our simple application process.
Start Your ApplicationFrequently Asked Questions
Get clarity on our mortgage options and application process.
Still have questions about our mortgages?
Ready to Take the Next Step?
Start your journey toward financial success with LendingForte today.
No obligations
No impact on credit score
Quick 5-minute application