Your coastal home, financed without the fuss.
The full application, online, at your own pace. Everything saves as you go, so you can stop and come back whenever suits you.
Loan programs
Talk to one of our loan officers about which of these fits you.
Conventional
Fixed and adjustable rates for buyers with established credit. As little as 3% down for qualified first-time buyers.
- From 3% down for first-time buyers
- Credit typically 620+
- No mortgage insurance at 20% down
FHA
Lower down payment and more forgiving credit requirements, backed by the Federal Housing Administration.
- From 3.5% down
- Credit from 580 typical
- Mortgage insurance for the life of most loans
VA
For eligible service members and veterans. No down payment required and no monthly mortgage insurance.
- No down payment
- No monthly mortgage insurance
- Certificate of Eligibility needed
USDA
Rural and small-town purchases with no down payment, subject to income and location eligibility.
- No down payment
- Eligible rural and suburban areas
- Household income limits apply
Jumbo
Financing above conforming limits, for higher-priced homes and larger loan amounts.
- Above the conforming loan limit
- Often 10% or more down
- Larger reserves usually needed
Refinance
Change your rate or term, or take cash out of the equity you have already built.
- Lower your rate or change your term
- Cash out usually up to 80% of value
- Closing costs can often be rolled in
How it works
- 1
Apply online
The full application in nine plain-language sections. Save as you go and finish later.
- 2
Send documents
You get a checklist built from your answers. Upload from your phone, see what is still outstanding.
- 3
Track progress
Submitted, under review, decision. You can see where your file stands without calling anyone.
- 4
Close
Your loan officer coordinates signing and funding, and stays reachable the whole way.
Meet our loan officers
What our borrowers say
4.8★★★★★from 4 reviews
- ★★★★★
“Every step was explained before it happened, and I always knew which document was still missing.”
Sample: Maria G. · First-time buyerWorked with Ethan Brooks
- ★★★★★
“We applied on a Sunday night from the couch and had a call back Monday morning.”
Sample: James and Lee T. · Moved up to a bigger homeWorked with Ethan Brooks
- ★★★★★
“The checklist made the paperwork painless. Closing took a little longer than we hoped.”
Sample: Priya R. · Refinance
- ★★★★★
“They knew the VA process inside out. No surprises at closing.”
Sample: Daniel K. · VA loan
Run the numbers first
Estimate a monthly payment before you talk to anyone. Nothing you enter is saved or sent anywhere.