Mortgage Basics
New to mortgages? Start here. Our educational guides break down the key concepts every homebuyer should understand before applying for a loan.
What Is a Mortgage?
Learn the fundamentals of how mortgages work, including principal, interest, amortization, and the difference between fixed-rate and adjustable-rate loans.
Understanding Interest Rates
Discover how mortgage interest rates are determined, what factors affect your rate, and how fixed and adjustable rates compare.
Down Payment Guide
Find out how much you need for a down payment, learn about PMI, and explore programs that offer low or zero down payment options.
Closing Costs Explained
Understand what closing costs are, which fees to expect, and how to prepare for the expenses involved in finalizing your mortgage.
Credit Score Requirements
Learn how credit scores affect your mortgage eligibility, what minimums apply to different loan types, and how to improve your score.
Ready to Take the Next Step?
Once you understand the basics, our experienced loan officers can help you find the right mortgage for your situation.