One home loan.
The right approach.
Loan programs differ in down payment, insurance, documentation and qualification. Compare the essentials and move on to your real numbers.
Mortgage programs, without the textbook.
Start with the type of loan. Then use our calculators to understand payment and cash to close.
Conventional
Flexible financing for eligible buyers and refinances. Consider credit, down payment, mortgage insurance and county conforming limits.
Check monthly payment →FHA
Government-insured options with specific mortgage-insurance, property and borrower eligibility requirements.
Check FHA county limit →VA
Programs for eligible service members, veterans and qualifying borrowers, with VA-specific entitlement and funding fee rules.
Estimate affordability →Jumbo
For scenarios above applicable conforming loan limits, typically with different underwriting and reserve requirements.
View county limits →Refinance
Review payment changes, costs, remaining loan term and break-even assumptions before changing your loan.
Compare refinance →Other loan scenarios
Investment-property and alternative-documentation scenarios need individual program and lender review.
Discuss options →Compare mortgage offers beyond the interest rate
When reviewing conventional, FHA, VA, or another available mortgage option, look at both the estimated monthly payment and the cash required at closing. Mortgage insurance, upfront charges, rate-lock terms, and program eligibility can differ. The lowest interest rate is not always the lowest overall cost.
A Loan Estimate is a standardized document that helps borrowers compare requested loan terms across lenders. Review the rate and loan term; principal-and-interest payment; mortgage insurance; estimated taxes and insurance; origination and other loan charges; lender credits; and estimated cash to close. Make sure competing estimates describe a comparable loan amount, type, and term, and check whether one offer uses points to reduce the stated rate.
Use our mortgage payment calculator and closing-cost calculator for early planning. Once you have actual lender disclosures, compare the figures directly. A calculator does not replace a Loan Estimate or underwriting.
Learn more from the Consumer Financial Protection Bureau guide to comparing Loan Estimates.
Four steps. One clearer direction.
A streamlined starting point inspired by Realty Savers’ client-first process.
Set your goal
Purchase, refinance, or compare your options.
Model the numbers
Use payment, buying-power, DTI and closing-cost tools.
Check the details
Confirm property, county limits, program guidelines and available documentation.
Talk it through
Discuss actual rates, underwriting and what to do next.
Bring your scenario.
We’ll discuss the details.
A calculator can estimate costs; lender review determines actual approval and terms.