How Mortgages Work

You can count on us for more options and more flexibility. Here are a few services we offer.

Mortgage Pre-Approvals

Before you start your search for a home, it’s important to know what you can afford. You're under no obligation when you're pre-approved, but you should still feel comfortable with the amount and terms of your pre-approved mortgage. Plus, when you choose a mortgage with a fixed interest rate we’ll guarantee that rate for the next 90 days in the event interest rates should rise.

Down Payment Options

A down payment is the amount of money you pay up front to obtain a mortgage. The more money you pay toward the purchase of your home, the more you save in interest and default insurance fees.

Mortgage Terms and Payments

When you purchase a property and take on a mortgage, you will need to make regular payments on it. How much you pay and how often you pay it depend on which mortgage options you choose.


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