Home Ownership
MEANS A BETTER LIFESTYLE
62+ Years of combined experience and 145+ lending partners.
Your trusted mortgage partner.
34+
Years of Excellence
Your Home Journey,
Our Passion
The Mortgages by Ernie story began in 1992 with one simple mission: to help people achieve the dream of homeownership. Whether a borrower has excellent credit, needs a specialized loan program, or has challenges to overcome, we work tirelessly to find the right solution. Learn more about our story and meet our team.
- Personalized loan solutions
- Fast pre-approvals
- Expert team with 62+ years combined
Find Your Perfect Loan
From first-time buyers to seasoned investors, we have the right loan program for every situation. Explore all of our home purchase loan programs.
Conventional Loans
Conventional loans are the most common type of mortgage, offering competitive interest rates and flexible terms for borrowers with good credit. They are not backed by a government agency and typically require a down payment as low as 3%, making them an excellent choice for many homebuyers.
Learn More About Conventional LoansEstimate Your Payment
Estimated Monthly Payment
Principal & Interest Only
Loan Amount
$400,000
Total Interest
$510,178
Estimate your monthly payments using our interactive Mortgage Calculator.
What Our Clients Say
Ready To Find a Home You Love?
Whether you're a first-time homebuyer or looking to refinance, our team of experts is ready to help you every step of the way.