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Home loans that work around you.

House of Mortgage pairs a fast digital application with licensed mortgage experts who guide you through every step, from your first rate check to the closing table.

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24h

Pre-approval turnaround

Down payment options

Junk fees

Clear to Close

Built to hit your timeline.

Soft credit check to start — no hard pull, no SSN required

Pre-approval letter you can share with sellers and agents

Advisor, analyst, and processor on every file

Target 30 days or less to close — many in 21

Explore Your Options

Every home loan option in one place.

A wide range of loan options for many situations. Your advisor helps you compare and choose the one that fits. Eligibility varies by program and loan scenario.

Conventional Loan

Best for buyers with solid credit and stable income who want flexibility in their loan term and a straightforward lending process.

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FHA Loan

A favorite for first-time buyers and borrowers with a credit score in the 580 to 680 range, or who have a smaller down payment saved.

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VA Loan

For active-duty military, veterans, and eligible surviving spouses. Zero down payment for most eligible veterans, and no monthly mortgage insurance.

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USDA Loan

Zero down payment, competitive fixed rates, and no set loan limits. You qualify based on your income and debt-to-income ratio in eligible areas.

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Jumbo Loan

For loan amounts above roughly $832,750 in most counties, with a minimum credit score around 680 to 700+ and a 10 to 20% down payment.

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Non-QM Loan

Bank-statement, DSCR, and asset-based programs for self-employed borrowers, investors, and unique income profiles.

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15-Year Fixed

A rate locked for the life of the loan with a shorter payoff timeline. You pay significantly less total interest than on a 30-year loan.

Details coming soon

20-Year Fixed

A faster payoff than a 30-year loan, lower total interest, and a monthly payment that is more manageable than a 15-year term.

Details coming soon

30-Year Fixed

Payments spread over three decades to keep monthly costs lower and give your budget room to breathe. Your rate stays fixed for the life of the loan once you lock.

Details coming soon

Pre-Approval

What mortgage pre-approval does for you.

Understand what you may be able to afford

No more guessing at your budget or falling for homes out of reach. Your pre-approval letter gives you a clear estimate of your price range, subject to final underwriting.

Strengthen your offer

In competitive markets, a pre-approval from a trusted lender signals to sellers that you are a serious, prepared buyer, not just interested.

Set your budget before you shop

Interest rates can shift. Starting the financing conversation early means you shop with a clearer picture of your numbers.

Reduce stress later in the process

The biggest delays in closings come from financial surprises. Pre-approval surfaces those issues early, while there is time to fix them.

A pre-approval is not a final loan approval or a commitment to lend. It remains subject to final underwriting, property review, appraisal, and other conditions.

How It Works

Apply for a home loan online.

Most borrowers finish the initial rate check in under 10 minutes and see a preliminary result in as little as 5.

Check your rate

Share a few basic details about your income, the home you are considering, and your credit range. Soft pull only.

Complete your application

Smart prompts walk you through each section clearly, so you never hit a confusing wall.

Upload documents securely

Add pay stubs, tax returns, and bank statements through our encrypted portal.

Get your pre-approval letter

Once reviewed, you receive a verified pre-approval letter to share with sellers and agents.

Close with confidence

Your team coordinates appraisal, title, and closing so you get the keys on schedule.

Good Questions

Frequently asked questions.

Everything you need to know about your home loan options.

Which home loan is best for first-time buyers?

FHA loans can be an option for first-time buyers because they may allow lower credit scores (580+) and down payments as low as 3.5%. If you are buying in an eligible rural area, a USDA loan may also be an option. Veterans and service members may want to explore VA loan options. The right loan depends on your individual scenario — your advisor can help you compare.

How long does mortgage pre-approval take?

The initial rate check takes about 10 minutes. Once you upload your income and asset documents, most borrowers receive a verified pre-approval letter within 24 hours. Timing depends on how quickly documents come in and whether your file has any unusual income or credit items to review.

Does getting pre-approved hurt my credit score?

Checking your options with House of Mortgage starts with a soft credit pull, which does not affect your score. A hard inquiry only happens later, with your permission, when you move forward on a specific loan. Multiple mortgage inquiries within a short window are generally treated as a single inquiry by the scoring models.

What credit score do I need to buy a home?

It depends on the program. Conventional loans typically start at 620, FHA at 580 (or 500–579 with 10% down), and VA and USDA commonly look for 620 or above, though guidelines weigh your whole profile. Stronger scores generally unlock better pricing.

What is the minimum down payment for a home loan?

Qualifying VA and USDA borrowers may put $0 down. FHA starts at 3.5%, and conventional programs start at 3% for eligible first-time buyers. Putting less than 20% down on a conventional loan usually means paying mortgage insurance until you reach 20% equity.

Ready to buy? Let's get your home loan started.

House of Mortgage makes the first step easy, with no hard credit check, no long forms, and no waiting on hold. Just a clear picture of what you can borrow and what it costs, in minutes.

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Important rate & fee disclosures

Zero-down and low-down-payment options are available only to qualifying borrowers of eligible programs (for example, VA and USDA). Eligibility, rates, APRs, and repayment terms vary by program and individual loan scenario. Not a commitment to lend.

A pre-approval is a preliminary evaluation based on the information and documents you provide; it is not a final loan approval or a commitment to lend and remains subject to final underwriting, property review, and appraisal.

Closing timelines vary by loan and transaction. Stated target timelines are goals, not guarantees.