Pre-Qualify
Fill out a short online form. We’ll estimate how much home you might afford using your income, credit score, and down payment.
Buy a Home with Rize Mortgage
Enjoy exclusive savings and friendly expert support to help you find and own your happy place.
Get Pre-Qualified
Getting pre-qualified gives you a quick estimate of what you might afford based on basic financial info.
Get Pre-Qualified
Get Pre-Approved
Getting pre-approved goes a step further—our team reviews your income, credit, and documents to give you a firm, lender-verified approval.
Get Pre-Approved
Mortgage loan options for home purchase
Finding the right home loan is about matching your goals with the right program.
Rize offers options for first-time buyers, repeat buyers, and everyone in between.
Conventional Loans
Best for borrowers with solid credit
Best when you have a stable credit history and down payment. Competitive rates and flexible term options (15/20/30 year).
FHA loan
First-Time Home Buyer Programs
Lower down payment and more forgiving credit requirement, ideal for many first-time buyers. We explain mortgage insurance, lender overlays, and state/local down-payment grants.
VA Loans
Zero/down payment for eligible veterans
Zero down payment options, flexible eligibility rules for service members and veterans. We help with certificate of eligibility and closing guidance.
USDA Loans
low-cost options for eligible rural/suburban properties
For qualifying addresses, we offer low-rate mortgages and small or no down payment. We’ll pre-screen the property’s eligibility.
Jumbo Loans
Purchase higher-value homes
Jumbo loan is best for purchases above conforming limits. It offers multiple term options and competitive pricing.
Specialty & Investment Loans
(DSCR, Non-QM, Bridge)
Best for investors and borrowers with non-standard income. We offer DSCR, bank-statement programs, construction financing and bridge loans.
Pre-Qualification vs Pre-Approval
Before you make an offer, the sellers want to see if you’re financially ready or not. That’s where pre-qualification and pre-approval mortgage loans come in.
Pre-Qualify Home Loan
Pre-Qualify for a Home Loan is a quick, no-obligation review of your income and credit. Gives you an estimate of what you can afford.
Pre-Approval Mortgage Loan
Pre-Approval Mortgage Loan is a deeper review of credit, income, and assets. You’ll get a verified letter that strengthens your offer.
Our Simple Home Buying Process
We believe the process should feel logical & simple, not overwhelming. Here’s how we help you move from thinking about a home to owning one.
1
Get Pre-Approval Mortgage Loan
Submit your financial documents (income, employment, etc.), we verify all the documents & you receive a pre-approval letter.
2
Search & Make an Offer
Work with your real estate agent or search online. With your pre-approval in hand, you can make offers with confidence.
3
Loan Application & Underwriting
Once your offer is accepted, we gather the required documents, order appraisal, and verify all details. You stay updated through our system.
4
Lock Your Rate & Prepare Closing
When you choose, we lock in your rate, so you don’t get surprised by rising interest. We coordinate title, insurance, and closing details.
5
Close & Move into Your Home
Final paperwork, funding, keys. Then you settle in, and we continue supporting you via our online portal & call support.
6
Tips to Secure Low-Rate Mortgage Loans
If you want lower monthly payments and better mortgage options, here’s what helps
Keep credit score healthy
Pay down debts, correct credit records.
Save for a larger down payment
Even a small increase can lower your rate or avoid mortgage insurance.
Choose the right loan type
Choosing the right loan can benefit you.
Keep documentation ready
Timely tax returns, pay stubs, bank statements speed up underwriting.
Compare your options
Different programs may offer better rates depending on your profile.
FAQ (Frequently Asked Questions)
How to Apply for a Mortgage Loan?
You can apply for a home mortgage loan by completing an application with a lender, either online, in person, or through a mortgage broker. The process typically starts with pre-qualification or pre-approval, which helps determine how much you can borrow. Lenders will review your income, credit score, debts, and assets. Depending on the type of loan—conventional, FHA, VA, or USDA—additional documentation or eligibility criteria may apply.
How Much Mortgage Loan do I Qualify for?
The mortgage amount you qualify for depends on your income, credit score, debt-to-income ratio, and the type of loan you choose. Mortgage Lenders use these factors to calculate your borrowing capacity and determine what monthly payment is affordable. Pre-approval gives a more accurate estimate than pre-qualification.
Use mortgage calculators to get a quick estimate.
How to Pay off Mortgage Loan Early?
You can pay off a mortgage loan early by making extra payments toward the principal or refinancing for a shorter loan term. Paying extra each month or making lump-sum payments reduces interest over time and shortens the loan term. Some lenders may charge a prepayment penalty, so it’s important to check your loan agreement.
How Long Does Underwriting Take for a Mortgage Loan?
Underwriting for a home mortgage loan usually takes 1–4 weeks, depending on loan complexity and documentation. During underwriting, the lender verifies your income, assets, credit, employment, and property details. FHA, VA, and USDA loans may take slightly longer due to additional compliance requirements. Delays can occur if documents are missing or need clarification. Pre-approval before house hunting can help streamline the underwriting process.
What is Mortgage Insurance on a Home Loan?
Mortgage insurance protects the lender if you default on your home mortgage loan, and it is usually required for loans with low down payments. FHA loans require mortgage insurance premiums (MIP), while conventional loans may require private mortgage insurance (PMI) if your down payment is less than 20%. VA loans typically don’t require mortgage insurance, and USDA loans have a guaranteed fee instead. Mortgage insurance increases monthly payments but may be removed once sufficient equity is built in the home.
Ready To Buy Your Home?
When you decide to buy a home, you deserve clear paths, honest guidance, and low-rate mortgage loans.
