Frequently Asked Questions

A mortgage is a loan that you obtain to buy a home or refinance your existing home. It's typically repaid in monthly installments over a set period, including both principal and interest.

We offer a range of mortgage products, including fixed-rate mortgages, adjustable-rate mortgages (ARMs), FHA loans, VA loans, and more. Please consult our loan officers for details. Find your loan officer here.

Your mortgage interest rate is influenced by various factors, including your credit score, loan term, down payment, and current market conditions.

Typically, you will need to provide financial documents like tax returns, bank statements, pay stubs, and proof of assets. Our loan fficers will guide you through the specific requirements.

Yes, we offer mortgage refinancing options. Contact our loan officers to discuss your specific situation and refinancing possibilities.

Yes, you can make extra payments on your mortgage to pay it off sooner. Consult with your loan officer to understand any prepayment penalties or restrictions.

You can start the application process by contacting our loan officers, or using our online application portal. Our professionals will guide you through the entire process.

Pre-approval is a preliminary step and not a guarantee of a mortgage loan. It shows your potential eligibility based on the information provided.

A fixed-rate mortgage has a constant interest rate throughout the loan term, providing predictability. An ARM, on the other hand, has an initial fixed period, followed by rate adjustments based on market indexes.

The pre-approval process can usually be completed within a few days, assuming you provide all the necessary documentation promptly.

The time to close on a mortgage can vary depending on factors like the type of loan, market conditions, and the efficiency of the application process. On average, it takes between 30 to 45 days to close.

You can make mortgage payments through various methods, including online payments, automatic deductions, and check payments. Details will be provided upon closing.

Yes, you can set up automatic payments for your convenience. Contact our customer support team for assistance with this.

If you're facing financial difficulties, contact our customer support team as soon as possible. We can explore options to help you, such as loan modification or forbearance.