Find Out if You Qualify

What is a Fixed Rate Mortgage?

A fixed-rate mortgage is a full amortizing mortgage loan. The interest rate on the note remains constant through term of the loan.  The payment amounts are fixed, and the duration of the loan is fixed.  The benefits of a fixed rate mortgage are the borrower has a consistent, single payment and can plan a budget based on the fixed monthly cost.

What do I need to Qualify?


Lenders like to see your monthly debts including the monthly cost of your new loan payments to be less than 45 percent of your gross monthly income. Documentation required are paystubs, w-2’s, 1099s and tax returns.


Typically, lenders like to see 2 years employment history.

Credit Score:

A credit score of 720 FICO or higher is preferred and increases the probability that you will repay your loan on time. We can go as low as a 620 FICO to qualify for 30-year fixed loan. Traditionally, a higher credit score will give you a better interest rate then if you had a lower score.  


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