LET’S GET YOU
HOME READY.
Before you start touring houses or writing offers, know what your financing actually looks like. Let’s create a plan around the payment and cash to close that work for you.
HERE'S THE
GAME PLAN.
START WITH YOUR GOAL
Tell me the price range, monthly payment and timing you have in mind.
REVIEW YOUR OPTIONS
We’ll discuss income, assets, credit, down payment and likely loan programs.
TAKE THE NEXT STEP
When you’re ready, submit your information securely through Rate’s application portal.
PREAPPROVAL IS MORE THAN A NUMBER.
Taxes, insurance, HOA dues and mortgage insurance can materially change your monthly payment. The right plan considers the home you want and what your budget can comfortably support.
GOOD QUESTIONS.
REAL ANSWERS.
Do I need 20% down to buy a home?+
Not necessarily. Available down-payment requirements depend on your loan program, eligibility, credit profile and property.
Will getting preapproved guarantee my mortgage?+
No. A preapproval is not a commitment to lend and remains subject to underwriting, verification and property review.
What should I avoid during the mortgage process?+
Talk with your loan officer before making large purchases, changing jobs, opening new credit or moving funds between accounts.