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HouseAmerica lets you work at your own pace, while providing award-winning customer service and expert advice. It lets you apply online, anytime, at your convenience – which means it’s there when you need a fast approval to buy a house or a way to lock your rate when rates drop.

You’ll get our best rates by starting your application online.

Going with the lowest rate might seem smart, given how much interest you pay over the life of a mortgage. But there are times when choosing the lowest rate might not make the most sense.What’s more important than just the lowest interest rate is getting the right mortgage for your situation – and a lender who helps you do that.

Applying with HouseAmerica is free! There’s no cost to see your mortgage recommendations or get approved. However, if you decide to move forward with your loan, there are costs involved – just like with any other lender.

Things like the size and type of the loan, your credit score and interest rates all play a role in determining how much you’ll pay to borrow money.

Each lender might explain costs and fees a little differently. That makes it hard to know which lender is offering best deal. It’s better to base your mortgage decision on a variety of factors – such as loan type and lender reputation – rather than just on fees.

You can get approved with a credit score as low as 580, as long as you meet our other eligibility criteria.

Keep in mind that the score we use might be slightly different from the one you get from your credit card company or other source. We use a FICO® Score, but educational sources might use a different credit scoring model, such as a VantageScore.

If you want to estimate how much you’ll need to bring to the closing table, it depends on whether you’re buying or refinancing. If you’re buying a home, plan to have at least 3% of the purchase price for a down payment and between 3% and 6% of the purchase price for closing costs.

If you're refinancing with HouseAmerica, you might not need to pay out of pocket to close your loan. In many cases, we may automatically roll all your closing costs into your loan to make refinancing more affordable.

We service almost all our loans except for jumbo loans. For many clients, that means after you close your loan with us, you can keep using HouseAmerica Financial to manage it.