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A home is one of the biggest purchases of your life. That makes choosing the right mortgage loan a critical step in the home buying process. Our goal at Qkapital is to help you find the right home loan with the right mortgage lender.

Do you already have a home loan? We can also help you refinance your mortgage and save money.

You can get up to five free mortgage offers in minutes. There are no hidden fees or obligations. Comparing quotes is a great first step to buying your dream home.

WHAT IS A MORTGAGE?

A mortgage is a legal agreement between a borrower and a mortgage lender. The lender provides money to the borrower to purchase real estate and, in exchange, the borrower agrees to repay the loan, plus interest. The mortgage loan is secured by a home, so if the borrower fails to repay the loan, the lender can repossess the home through foreclosure and sell it to pay off the loan.

What you need to know about a mortgage loan

  • HOME AFFORDABILITY

    Just because you qualify for a certain mortgage loan amount doesn’t mean you should buy a home in that price range. Pick a purchase price and monthly mortgage payment that leaves enough room in your budget for other financial goals like retirement and emergency savings.

  • CREDIT SCORE

    Although you may qualify for some home loan programs with a credit score as low as 500, a 620 score will get you lower mortgage rates with a smaller down payment. Get your free credit score to see where you stand, then take steps to boost your score as much as possible before applying for a mortgage.

  • INTEREST RATE

    Aside from your credit score, there are several factors that determine your interest rate, including your down payment amount, loan amount, loan type and the location of your home. Your rate will also depend on the type of home you’re buying (a single-family home versus a manufactured home), and whether you plan to live in the home or rent it out.

  • DOWN PAYMENT

    You can put as little as 3% down with some mortgage programs, and some borrowers can even put zero down to buy a home. If you haven’t saved your own money, you may be able to apply for down payment assistance or get a gift from a relative or friend.

  • MORTGAGE PROGRAM

    If you have a credit score of less than 620, an FHA loan may be right for you. If you’re an eligible military borrower with no down payment funds, consider applying for a VA loan.

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