They can be slightly higher, but builders often offer incentives to help cover them.
Build Your Future With a New Home Loan
Buying a new property requires the right financing to fit your goals. I’ll help you secure a loan designed for new home purchases with flexible options and smooth approvals.
Low Down Payment Options
Explore FHA and VA programs for affordability.
Competitive Rates
Access lenders that keep payments manageable.
Streamlined Closing
Enjoy a smoother buying experience with expert guidance.
Find the Right Mortgage Loan for You
Mortgage interest is the fee a lender charges for lending you money to buy a home. Calculated as a percentage of the loan balance, this interest is typically paid monthly as part of your mortgage payment. Over time, the amount of interest you pay can add up, especially with long-term loans like the common 30-year fixed-rate mortgage
- Fixed-Rate Mortgage Loans: Stability and consistency in monthly payments.
- Adjustable-Rate Mortgage Loans (ARM): Flexibility with changing rates over time.
- FHA Loans: Loans for first-time buyers or low down payments.
- VA Loans: Loans for veterans with special benefits.
- USDA Loans: For rural homebuyers with low-interest options.
How the Mortgage Loan Process Works
Mortgage interest is the fee a lender charges for lending you money to buy a home. Calculated as a percentage of the loan balance, this interest is typically paid monthly as part of your mortgage payment. Over time, the amount of interest you pay can add up, especially with long-term loans like the common 30-year fixed-rate mortgage
- Pre-approval: What it is and why it matters.
- Finding the Right Home: Guidance on home selection.
- Mortgage Application:Step-by-step guide on filling out the application.
- Underwriting Process: Overview of credit checks, income verification, etc.
- Closing: Final steps to get the keys to your new home.
Today's Mortgage Rates
Find the Right Mortgage Rate
for You
Stay informed about the latest mortgage rates and make confident financial decisions. Compare today’s best mortgage options, including Fixed, Adjustable, FHA, and VA loans, all in one convenient place. Use our up-to-date mortgage rate tool to explore the current market trends and take the first step toward securing your dream home.
Today's Best Mortgage Rates
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Fixed Rate (30-Year) | Loading... | Loading... |
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Mortgage Calculator
Estimate Your Affordable Monthly Payment
Take the guesswork out of home financing. Use our simple mortgage calculator to estimate your monthly payment in seconds. With just a few details: loan amount, interest rate, and loan term – you’ll see an accurate breakdown of what your monthly payments could look like. Start planning your next move with confidence today!
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Clients’ Testimonials
What people say about us
Simone was very helpful in my mortgage pre approval process. She kept me informed and up to date with current change of events regarding the homes I was interested in. She demonstrated a great deal of professionalism and attentiveness to me as a client. Overall I really enjoyed working with Simone and I highly recommend because she made what seems like a stressful process surprisingly smooth

It is without hesitation that I would like to acknowledge the exceptional service that I received during the entire financing process of my new home. Simone’s professionalism and mortgage experience was impressive and truly appreciated. Initially I was working with several others banks and found the process frustrating and stressful. Simone went above and beyond to ensure that all of my needs were met and that everything was handled thoroughly and efficiently. I have, and will continue to recommend her in the future.

Working with Simone Castello has been an absolute pleasure from start to finish. As my mortgage loan officer, Simone demonstrated exceptional professionalism, knowledge, and dedication every step of the way. She patiently guided me through the entire process, ensuring I understood all the intricacies involved and answering all my questions promptly and thoroughly.
Simone’s expertise in the mortgage industry was evident in her ability to secure the best possible terms for my loan, saving me both time and money. Her proactive approach and attention to detail gave me confidence that my financial interests were always her top priority.
What truly sets Simone apart is her genuine care for her clients. She took the time to understand my unique needs and goals, crafting a personalized mortgage solution that perfectly aligned with my financial situation. Her friendly demeanor and unwavering support made what could have been a stressful experience remarkably smooth and enjoyable.
Thanks to Simone’s dedication and expertise, I am now a proud homeowner, and I couldn’t be happier with the outcome. I wholeheartedly recommend Simone Castello to anyone in need of a mortgage loan officer who values professionalism, integrity, and exceptional service.

I wanted to take a moment to express my heartfelt gratitude for all your assistance throughout the process of purchasing my new home. Your expertise, dedication, and support truly made all the difference, and I couldn’t be happier with the outcome.
From our very first meeting, you took the time to understand my unique financial situation and goals, and you guided me through each step of the journey with patience and professionalism. Your attention to detail and proactive communication ensured that I was always informed and prepared, alleviating any stress or uncertainty along the way.
Your knowledge of the housing market and financial landscape was invaluable, and your ability to navigate complex processes and negotiate on my behalf was truly impressive. Thanks to your guidance, I was able to secure a mortgage that perfectly suited my needs, and I am now settling into my new home with confidence and peace of mind.
Simone, your dedication to your clients and commitment to excellence are evident in everything you do, and I am so grateful to have had the opportunity to work with you. Thank you for going above and beyond to make my home buying experience a smooth and successful one. I will not hesitate to recommend you to anyone in need of expert financial guidance. With sincere appreciation

I was referred to Simone by my realtor and it was the best decision I made to use her services. Simone was patient and transparent and made the mortgage process easy to understand. She was responsive and guided us throughout the loan from start to finish managing to find a loan that matched our needs at a great rate.

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Helping People Achieve Their Dream Of Homeownership!
Frequently Asked Questions
Yes, lenders often require additional documentation from the builder, such as plans and specifications, and may have specific appraisal and draw process requirements. New Home Mortgage Loans
Not always—FHA, VA, and conventional loans are available for new homes with low down payment options.
Yes, many lenders offer extended rate-lock options for new construction