Your Mortgage rate is affected by many factors including, but not limited to your Credit Score, Credit History, Employment, Income, and Debt to Income Ratio. In order to get the most accurate rate quote you should please click HERE for a FREE Mortgage Rate Quote. We are a Direct Lender, which means that we process, underwrite and fund your loan all in-house. It only takes 1 business day for us to issue you a Pre-Approval you can rely on. We look forward to earning your business.