FAQs
Browse our most frequently asked questions to learn more about the mortgage process, loan options, and how we can help you every step of the way.
Common Questions
FAQs
A fixed rate mortgage has an interest rate that remains the same for the entire term of the loan, offering predictable monthly payments.
It provides long-term stability, making it easier to budget since your principal and interest payments won’t change.
No—there are many first-time buyer programs available with flexible credit requirements.
Some programs require as little as 3% down, and others—like FHA or USDA loans—may offer even more accessible options.
You may be able to lower your interest rate, reduce your monthly payment, or tap into your home’s equity.
Veterans, active-duty service members, and some surviving spouses who currently have a VA loan may qualify.
FHA loans are designed for borrowers with lower credit scores or limited savings. They’re often ideal for first-time homebuyers.
Yes, both an upfront mortgage insurance premium and monthly payments are required for most FHA loans.
USDA loans are for homes in eligible rural and suburban areas, as defined by the U.S. Department of Agriculture.
No. USDA loans offer 100% financing for qualified buyers.