Which loan program is right for you?
First Name
Last Name
Email
*
What is your primary goal for this loan?
*
Purchase a home
Refinance a home
Cashout Refinance for a home
What kind of loan do you currently have?
FHA
VA
Conventional
Other
How many years have you had your current mortgage?
2 years or less
3 to 7 years
8 to 14 years
15+ years
What loan term are you considering?
30 year
25 year
20 year
15 year
10 year
What's the main reason for your refinance?
Removing my Private Mortgage Insurance (PMI)
Lowering my rate/payment
Paying the loan off faster (e.g., moving to a 15-year term)
Take cash out
How long do you realistically plan to own & stay in this property?
5 to 7 years or less. I expect to sell, move, or refinance relatively soon
8 to 15 years. I am comfortable with stability but may move
15+ years. I plan to be here long-term and want absolute stability
Are you a veteran, active-duty service member, or an eligible surviving spouse?
Yes
No
Where are you planning to buy a home?
In a major city or dense suburban area
In a rural or less populated suburban area
I'm not sure yet
Is this your first time buying a home?
Yes, this is my very first home
No, I have owned a home before
What is your estimated credit score?
720 or higher (Excellent)
640 - 719 (Good)
580 - 639 (Fair)
Below 580 (Needs Improvement)
How much do you have saved for a down payment?
20% or more
5% - 19%
0% - 3.5%
I'm hoping for zero down
How would you describe your household income?
Well-established and comfortably above the average for my area.
Average or moderately above average for my area.
Low-to-moderate for my area.
How would you rate your financial stability (e.g., stable job, manageable debt)?
Very stable: low debt, strong savings, consistent employment.
Generally stable: some debt (student loans, car), but a steady job.
Less stable: higher credit card debt, recent job change, or variable income.