Purchase Home Loans
Get Pre-Approved Online!

Same-Day Pre-Approvals

Rates 1% Lower than Most Banks and Lenders – Low Rates. Low Fees. Fast Closings.

Get Pre-Approved online to buy a home.

Purchas a home online

Get pre-approved to buy a home with the lowest interest rate and fee mortgage loan in the market guaranteed. Within minutes our online mortgage pre-approval application will carefully analyze your application & identify all Pre-Approved loan programs. You will be able to choose Lowest Monthly Payment, Lowest Interest Rate and Lowest Cash to Close. We will automatically send you a Pre-Approved Letter.

OR CALL 1-866-713-9292 TO SPEAK TO A KNOWLEDGEABLE EQUIFUND MORTGAGE CONSULTANT WHO WILL CREATE A LOAN THAT IS JUST RIGHT FOR YOU OR SIMPLY APPLY NOW.

Purchase Home Loans underwriting approval requirements:

Available Loan Terms 30, 25, 20, 15 and 10 Year Fixed and Adjustable Rates

* Primary Residence, Second Home or Investment Properties
* Single, Condo, Manufactured, Multi-family
* Down-Payment as low as 3%
* Lowest Interest Rates Guaranteed
* Minimum credit score 580
* Eligible Loan Programs: Conventional, FHA, VA, USDA, Jumbo
* Debt to income ratio less than 50%

Loan Programs for Purchasing a home.

EquiFund Mortgage offers a wide range of loan programs to satisfy every homebuyer's desire to find the lowest interest rates and closing costs home loans.

To get pre-approved to purchase a home, EquiFund offers an online instant mortgage pre-qualification and pre-approval application that returns real loan offers online in under 3 minutes.

Buy a Home using FHA Loans

FHA Purchase Loans offer homebuyers the ability to purchase a home with as little as 3.5% of the purchase price for a down payment for borrowers with a credit score of 580 or higher.

To qualify under the Federal Housing Administration's underwriting guidelines, borrowers must have a min. credit score of 550, 580 or higher is preferred and 2 years of employment income, unless previously retired or in college.

Purchase a Home using Conventional Loans

Conventional loans offer home-buyers low-cost affordable home loans. If your credit score is greater than 620, and you have a median income you can qualify for a low-down payment of 3%, if your income exceeds the area's median income, then the minimum down payment is 5 percent.

Mortgage rates on Conventional mortgage loans provide competitive interest rates without any upfront funding fees. If your down payment is less than 20% the loan will require private mortgage insurance that terminates when the loan-to-value decreases to 78%.

Buy a Home using a VA Mortgage Loan

If you are a Veteran with a minimum credit score of 580, then the VA Mortgage loan will allow you to finance 100 percent of the purchase price of the home you want buy. Veterans that have been declared disabled by the VA Administration will not be required to pay the VA Funding Fee.

When you purchase a home with a VA mortgage loan, Veterans can expect to see some of the lowest interest rate loan offers as compared to other loan programs.

Buying a Rural Home with USDA 100%

Are you buying a home in a rural area? The United States Department of Agriculture offers 100 percent financing for home-buyers that are purchasing a home designated as a home located in a rural area.

Applicants should have a minimum credit score of 600, and their income cannot exceed USDA's maximum income limit. USDA loans offer low interest rates, low funding fees, and minimal monthly mortgage insurance.

Buy a Home with a Jumbo Mortgage Loans

If you are buying a home that exceeds Conventional mortgage loans county loan limit, than Jumbo loans offer home-buyers with an affordable home loan option.

Applicants should expect to have a minimum down payment of 10 percent.

Get Pre-Approved Online to Purchase a Home

EquiFund's online mortgage pre-approval application reduces the cost of mortgage loans by providing 1 percent lower rate loans. Using automation, EquiFund has streamlined the process of shopping mortgage lender's loan offers while getting pre-approved in one user session.

Benefits of Buying a Home with EquiFund

1% Lower Interest Rates compared to most lenders.
Lowest Interest Rate and Fee Guarantee.
Get Pre-Qualified online in 3 minutes.
Same-Day Mortgage Pre-Approvals.
Instant Online Loan Shopping.

This online mortgage pre-approval application will save you time and money and simplify the process of buying your next home. There are no application fees, and you are not required to have your credit report accessed, unless you request a full mortgage pre-approval.